UBSI United Bankshares Inc
Price (delayed)
$35.53
Market cap
$4.8B
P/E Ratio
13.46
Dividend/share
$1.48
EPS
$2.64
Enterprise value
$3.71B
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 55% QoQ and by 51% YoY
The equity has increased by 7% year-on-year and by 2.3% since the previous quarter
United Bankshares's EPS has decreased by 8% YoY
The P/E is 8% higher than the 5-year quarterly average of 12.5
Key stats
What are the main financial stats of UBSI
Market
Valuations
Earnings
Shares outstanding
135.22M
Market cap
$4.8B
Enterprise value
$3.71B
Price to earnings (P/E)
13.46
Price to book (P/B)
0.97
Price to sales (P/S)
4.75
EV/EBIT
8.28
EV/EBITDA
7.87
EV/Sales
3.67
Revenue
$1.01B
Gross profit
$1.01B
Operating income
$447.72M
Net income
$357.98M
EBIT
$447.72M
EBITDA
$470.83M
Free cash flow
$459.34M
Per share
Balance sheet
Liquidity
EPS
$2.64
EPS diluted
$2.64
Free cash flow per share
$3.4
Book value per share
$36.74
Revenue per share
$7.48
TBVPS
$206.97
Total assets
$29.86B
Total liabilities
$24.9B
Debt
$810.52M
Equity
$4.97B
Working capital
N/A
Debt to equity
0.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.33
Margins
Efficiency
Dividend
EBITDA margin
46.6%
Gross margin
100%
Net margin
35.4%
Operating margin
44.3%
Return on assets
1.2%
Return on equity
7.4%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
44.3%
Dividend yield
4.17%
DPS
$1.48
Payout ratio
56.1%
UBSI stock price
How has the United Bankshares stock price performed over time
Intraday
-3.37%
1 week
-6.33%
1 month
-8.29%
1 year
3.02%
YTD
-5.38%
QTD
-5.38%
Financial performance
How have United Bankshares's revenue and profit performed over time
Revenue
$1.01B
Gross profit
$1.01B
Operating income
$447.72M
Net income
$357.98M
Gross margin
100%
Net margin
35.4%
United Bankshares's operating income has decreased by 8% YoY
UBSI's net income is down by 7% YoY
The company's operating margin fell by 6% YoY
The company's net 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
13.46
P/B
0.97
P/S
4.75
EV/EBIT
8.28
EV/EBITDA
7.87
EV/Sales
3.67
United Bankshares's EPS has decreased by 8% YoY
The P/E is 8% higher than the 5-year quarterly average of 12.5
The equity has increased by 7% year-on-year and by 2.3% since the previous quarter
UBSI's P/B is 3% below its 5-year quarterly average of 1.0 and 3% below its last 4 quarters average of 1.0
UBSI's P/S is 8% above its 5-year quarterly average of 4.4
Efficiency
How efficient is United Bankshares business performance
United Bankshares's ROE has decreased by 12% YoY
United Bankshares's ROA has decreased by 8% YoY
The ROIC fell by 6% YoY
United Bankshares's return on sales has decreased by 6% YoY
Dividends
What is UBSI's dividend history
DPS
$1.48
Dividend yield
4.17%
Payout ratio
56.1%
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 total assets has grown by 2.2% YoY
The company's debt is 84% lower than its equity
The debt to equity has dropped by 57% since the previous quarter and by 56% year-on-year
The company's debt has shrunk by 55% QoQ and by 51% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.