UBSI
United Bankshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UBSI
- PE Ratio
The PE ratio for United Bankshares stock stands at 12.56 as of Jun 22, 2026. This is based on the current EPS of $3.58 and the stock price of $44.95 per share. An increase of 4.1% has been recorded in the PE ratio compared to the average of 12.1 of the last four quarters.
UBSI PE ratio history
Over the last ten years, the average PE ratio of United Bankshares has been 14.72. The current 12.56 P/E ratio is 15% lower than the historical average. In the past ten years, UBSI's PE ratio peaked in the Dec 2016 quarter at 23.13, with a price of $46.25 and an EPS of $2. The Sep 2020 quarter marked the lowest point at 9.5, with a price of $21.47 and an EPS of $2.26.
United Bankshares PE ratio by year
Maximum annual increase: 24.66% in 2013
Maximum annual decrease: -43.93% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.71 | -13.96% | $38.4 | $3.28 |
| 2024 | 13.61 | -1.45% | $37.55 | $2.76 |
| 2023 | 13.81 | -4.16% | $37.55 | $2.72 |
| 2022 | 14.41 | 12.84% | $40.49 | $2.81 |
| 2021 | 12.77 | -5.41% | $36.28 | $2.84 |
| 2020 | 13.5 | -10.95% | $32.4 | $2.4 |
| 2019 | 15.16 | 19.84% | $38.66 | $2.55 |
| 2018 | 12.65 | -43.93% | $31.11 | $2.46 |
| 2017 | 22.56 | -2.46% | $34.75 | $1.54 |
| 2016 | 23.13 | 24.42% | $46.25 | $2 |
| 2015 | 18.59 | -4.18% | $36.99 | $1.99 |
| 2014 | 19.4 | 4.86% | $37.45 | $1.93 |
| 2013 | 18.5 | 24.66% | $31.45 | $1.7 |
| 2012 | 14.84 | -14.96% | $24.34 | $1.64 |
| 2011 | 17.45 | -1.41% | $28.27 | $1.62 |
United Bankshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 11.57 | -1.2% | $41.42 | $3.58 |
| Dec 2025 | 11.71 | -3.7% | $38.4 | $3.28 |
| Sep 2025 | 12.16 | -5.22% | $37.21 | $3.06 |
| Jun 2025 | 12.83 | -0.08% | $36.43 | $2.84 |
| Mar 2025 | 12.84 | -5.66% | $34.67 | $2.7 |
| Dec 2024 | 13.61 | -3.13% | $37.55 | $2.76 |
| Sep 2024 | 14.05 | 14.79% | $37.1 | $2.64 |
| Jun 2024 | 12.24 | -10.4% | $32.44 | $2.65 |
| Mar 2024 | 13.66 | -1.09% | $35.79 | $2.62 |
| Dec 2023 | 13.81 | 43.11% | $37.55 | $2.72 |
| Sep 2023 | 9.65 | -5.39% | $27.59 | $2.86 |
| Jun 2023 | 10.2 | -14.79% | $29.67 | $2.91 |
| Mar 2023 | 11.97 | -16.93% | $35.2 | $2.94 |
| Dec 2022 | 14.41 | 6.03% | $40.49 | $2.81 |
| Sep 2022 | 13.59 | 0% | $35.75 | $2.63 |
UBSI Price vs fair value
UBSI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of UBSI is higher than its 3-year historical average, but it is lower than the 5 and 10-year averages.
PE comparison
With a P/E of 12.56, UBSI stands below the Financial Services sector, the industry and its peers average. But in comparison with its Financial Services sector average of 12.78, United Bankshares's P/E is only 1.7% lower.
UBSI PE vs peers
UBSI's PE ratio stands lower than its peer stocks FITB and VMC, but it is higher than FCNCA's and FNB's. United Bankshares is presently trading at a lower PE ratio (12.56) than its peer group average of 13.91.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FNB Fnb Corp | 11.57 | $6.67B |
| FCNCA First Citizens Bancshares Inc | 12.16 | $24.46B |
| UBSI United Bankshares Inc | 12.65 | $6.24B |
| MTB M&T Bank Corp | 12.88 | $33.86B |
| HBAN Huntington Bancshares Inc | 13.18 | $35.27B |
| CHCO City Holding Co | 14.28 | $1.83B |
| FCBC First Community Bankshares Inc | 16.72 | $839.19M |
| FITB Fifth Third Bancorp | 18.22 | $49.55B |
| VMC Vulcan Materials CO | 35.35 | $38.81B |
Frequently asked questions
What is United Bankshares's PE ratio?
The price to earnings ratio for UBSI stock is 12.56 as of Jun 22, 2026.
What is the 3-year average PE ratio for United Bankshares (UBSI)?
The 3-year average price to earnings ratio for UBSI stock is 12.36.
What is the 5-year average PE ratio for United Bankshares (UBSI)?
The 5-year average price to earnings ratio for UBSI stock is 12.61.
What is the highest PE ratio for UBSI?
The highest quarterly PE ratio in the last ten years has been 23.13 and it was in the Dec 2016 quarter.
How does the current PE ratio for UBSI compare to its historical average?
UBSI's current price to earnings ratio is 15% below its 10-year historical average.
How is UBSI's PE ratio calculated (United Bankshares PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 22, 2026), United Bankshares's stock price is $44.95. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.58. Therefore, United Bankshares's PE ratio for today is 12.56. PE RATIO(12.56) = STOCK PRICE($44.95) / TTM EPS($3.58)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.