UBSI United Bankshares Inc
Price (delayed)
$32.95
Market cap
$4.72B
P/E Ratio
11.94
Dividend/share
$1.48
EPS
$2.76
Enterprise value
$3.23B
As of December 31, 2020, United had consolidated assets of approximately $26.2 billion. United is the parent company of United Bank, the largest community bank headquartered in the D.C. Metro
Highlights
The company's debt has shrunk by 61% YoY
The P/E is 11% lower than the last 4 quarters average of 13.4 and 6% lower than the 5-year quarterly average of 12.7
Key stats
What are the main financial stats of UBSI
Market
Valuations
Earnings
Shares outstanding
143.21M
Market cap
$4.72B
Enterprise value
$3.23B
Price to earnings (P/E)
11.94
Price to book (P/B)
0.89
Price to sales (P/S)
4.4
EV/EBIT
6.95
EV/EBITDA
6.8
EV/Sales
3.2
Revenue
$1.01B
Gross profit
$1.01B
Operating income
$464.58M
Net income
$373M
EBIT
$464.58M
EBITDA
$474.98M
Free cash flow
$433.43M
Per share
Balance sheet
Liquidity
EPS
$2.76
EPS diluted
$2.75
Free cash flow per share
$3.21
Book value per share
$36.93
Revenue per share
$7.48
TBVPS
$208.49
Total assets
$30.02B
Total liabilities
$25.03B
Debt
$803.28M
Equity
$4.99B
Working capital
N/A
Debt to equity
0.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.13
Margins
Efficiency
Dividend
EBITDA margin
47%
Gross margin
100%
Net margin
36.9%
Operating margin
46%
Return on assets
1.2%
Return on equity
7.6%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
46%
Dividend yield
4.49%
DPS
$1.48
Payout ratio
53.6%
UBSI stock price
How has the United Bankshares stock price performed over time
Intraday
-1.67%
1 week
2.08%
1 month
-4.16%
1 year
-3.57%
YTD
-12.25%
QTD
-4.96%
Financial performance
How have United Bankshares's revenue and profit performed over time
Revenue
$1.01B
Gross profit
$1.01B
Operating income
$464.58M
Net income
$373M
Gross margin
100%
Net margin
36.9%
The company's operating margin rose by 3.8% QoQ
The company's net margin rose by 4.2% QoQ and by 3.1% YoY
UBSI's net income is up by 4.2% QoQ
United Bankshares's operating income has increased by 3.8% from the previous quarter
Growth
What is United Bankshares's growth rate over time
Valuation
What is United Bankshares stock price valuation
P/E
11.94
P/B
0.89
P/S
4.4
EV/EBIT
6.95
EV/EBITDA
6.8
EV/Sales
3.2
The P/E is 11% lower than the last 4 quarters average of 13.4 and 6% lower than the 5-year quarterly average of 12.7
United Bankshares's EPS has increased by 4.5% QoQ
UBSI's P/B is 11% below its 5-year quarterly average of 1.0 and 11% below its last 4 quarters average of 1.0
The equity has increased by 4.7% year-on-year
UBSI's P/S is 8% below its last 4 quarters average of 4.8 and 2.2% below its 5-year quarterly average of 4.5
Efficiency
How efficient is United Bankshares business performance
The ROIC rose by 6% QoQ and by 6% YoY
United Bankshares's return on sales has increased by 3.8% QoQ
United Bankshares's ROE has decreased by 3.8% YoY but it has increased by 2.7% from the previous quarter
Dividends
What is UBSI's dividend history
DPS
$1.48
Dividend yield
4.49%
Payout ratio
53.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did United Bankshares financials performed over time
The total assets is 20% more than the total liabilities
The company's debt is 84% lower than its equity
The debt to equity has dropped by 64% year-on-year
The company's debt has shrunk by 61% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.