# United Bankshares Inc. (UBSI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $47.83, market value $6.5 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 12.0×, 3-yr avg 12.3×). United Bankshares Inc. trades at 13.0× trailing earnings, close to its own five-year average of 12.0×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.66**. A PEG of 0.66 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 20.9×**. Each dollar of revenue is priced at 20.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.2%** (5-yr avg 11.6%). Free cash flow equals 8.2% of the market value, below its five-year average of 11.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.7%**. The inverse of the P/E: 7.7% of the price is earned each year.

## Profitability
- **Return on equity: 8.5%**. 8.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 18.9%** (3-yr 5.3%/yr, 5-yr 6.4%/yr). Earnings per share rose 18.9%.
- **Free-cash-flow growth (3 yr): -13.5%/yr**. Free cash flow has compounded at -13.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.18%** ($1.51 per share, trailing). United Bankshares Inc. yields 3.18%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 45%** (40% of free cash flow). 45% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 24**. 24 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.3%/yr** (1-yr 0.7%). The dividend has grown 1.3% a year over five years.

## Analyst view
- **Analyst consensus: hold** (6 analysts). 6 analysts cover United Bankshares Inc.; the consensus is hold, with an average price target of $50.33 (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 28.5%** (YTD 26.8%, 3-mo 9.9%). The shares are up 28.5% over twelve months including dividends.
- **From 52-week high: -3.6%** (40.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.58** (volatility 22%). Beta of 0.58 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UBSI · Page: https://foliofundamentals.com/stocks/ubsi

Not investment advice.