Price (delayed)
$36.33
Market cap
$4.91B
P/E Ratio
13.71
Dividend/share
$1.47
EPS
$2.65
Enterprise value
$4.84B
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 fell by 27% YoY and by 13% QoQ
The equity has increased by 4.7% year-on-year
The P/E is 11% higher than the last 4 quarters average of 12.3 and 7% higher than the 5-year quarterly average of 12.7
UBSI's net income is down by 9% YoY
Key stats
What are the main financial stats of UBSI
Market
Valuations
Earnings
Shares outstanding
135.22M
Market cap
$4.91B
Enterprise value
$4.84B
Price to earnings (P/E)
13.71
Price to book (P/B)
1.01
Price to sales (P/S)
4.85
EV/EBIT
10.78
EV/EBITDA
10.25
EV/Sales
4.78
Revenue
$1.01B
EBIT
$448.74M
EBITDA
$471.85M
Free cash flow
$425.17M
Per share
Balance sheet
Liquidity
EPS
$2.65
Free cash flow per share
$3.15
Book value per share
$35.92
Revenue per share
$7.49
TBVPS
$207.7
Total assets
$29.96B
Total liabilities
$25.1B
Debt
$1.78B
Equity
$4.86B
Working capital
N/A
Debt to equity
0.37
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.16
Margins
Efficiency
Dividend
EBITDA margin
46.6%
Gross margin
100%
Net margin
35.5%
Operating margin
44.4%
Return on assets
1.2%
Return on equity
7.5%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
44.4%
Dividend yield
4.05%
DPS
$1.47
Payout ratio
55.5%
UBSI stock price
How has the United Bankshares stock price performed over time
Intraday
0.5%
1 week
-2.81%
1 month
3.21%
1 year
28.69%
YTD
-3.25%
QTD
11.99%
Financial performance
How have United Bankshares's revenue and profit performed over time
Revenue
$1.01B
Gross profit
$1.01B
Operating income
$448.74M
Net income
$358.87M
Gross margin
100%
Net margin
35.5%
UBSI's net income is down by 9% YoY
United Bankshares's operating income has decreased by 9% YoY
The company's net margin fell by 6% YoY
The company's operating margin fell by 6% YoY
Growth
What is United Bankshares's growth rate over time
Valuation
What is United Bankshares stock price valuation
P/E
13.71
P/B
1.01
P/S
4.85
EV/EBIT
10.78
EV/EBITDA
10.25
EV/Sales
4.78
The P/E is 11% higher than the last 4 quarters average of 12.3 and 7% higher than the 5-year quarterly average of 12.7
United Bankshares's EPS has decreased by 9% YoY
UBSI's P/B is 12% above its last 4 quarters average of 0.9
The equity has increased by 4.7% year-on-year
UBSI's P/S is 10% above its last 4 quarters average of 4.4 and 7% above its 5-year quarterly average of 4.5
The revenue fell by 2.8% YoY
Efficiency
How efficient is United Bankshares business performance
United Bankshares's ROE has decreased by 13% YoY
United Bankshares's ROA has decreased by 8% YoY
United Bankshares's return on sales has decreased by 6% YoY
The ROIC fell by 6% YoY
Dividends
What is UBSI's dividend history
DPS
$1.47
Dividend yield
4.05%
Payout ratio
55.5%
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 19% more than the total liabilities
The company's debt is 63% lower than its equity
The debt to equity has declined by 30% year-on-year and by 12% since the previous quarter
The company's debt fell by 27% YoY and by 13% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.