What is United Bankshares's market cap?

United Bankshares (UBSI) has a market capitalization of $6.5B and trades on NASDAQ.

What is United Bankshares's revenue and profitability?

United Bankshares generated $1.3B in trailing twelve-month revenue with net income of $515.2M, representing a net margin of 40.2%, with free cash flow of $533.9M. The latest reported period is Q2 2026.

Who are United Bankshares's competitors?

United Bankshares's key competitors include Truist Financial, PNC Financial Services, United Community Banks, Inc., and others. These companies compete in similar markets and product categories.

Who does United Bankshares partner with?

United Bankshares's notable partners include Zelle, NYCE, West Virginia University, and others.

What subsidiaries does United Bankshares have?

United Bankshares's subsidiaries include United Bank, United Brokerage Services, Inc., Piedmont Bancorp, Inc., and others.

Where is United Bankshares headquartered?

United Bankshares is headquartered in United States of America and employs approximately 2,635 people. It has been publicly traded since 1987.

United Bankshares (UBSI) Stock Fundamentals & Financials

United Bankshares Inc is a financial holding company that provides comprehensive community banking services through its primary subsidiary, United Bank.

Market cap

$6.52B+23.8%

Revenue$1.3B+14.5%

Net income$515.2M+30.5%

Free cash flow$533.9M+16.9%

EPS (diluted)$3.67+29.7%

Trailing twelve months · change vs. prior year

Earnings

Q2 2026 report

July 23, 2026

Revenue$323.8MBeat by $3.7M EPS$0.95Beat by $0.06

Read the full report

Next report

Oct 22, 2026 (in a month)

Revenue estimate$327.3M

EPS estimate$0.93

Financials

Q2 2026

Income statement

See full

Revenue$323.8M+5.8%

Net income$131.4M+8.8%

EPS (diluted)$0.95+11.8%

Balance sheet

See full

Cash & equivalents$2.1B-10.1%

Total debt$549.4M-1.7%

Total equity$5.5B+2.7%

Total assets$33.8B+3.0%

Cash flow

See full

Operating cash flow$105.2M+17.7%

CapEx$7.2M+71.7%

Free cash flow$98.0M+15.0%

Valuation & ratios

Valuation

See full

Market cap$6.52B+23.8%

Enterprise value$4.99B+44.0%

P/E12.7×-0.6×

P/S5.1×+0.4×

Profitability

See full

Net margin40.2%+4.9pp

FCF margin41.6%+0.8pp

Returns & leverage

See full

Return on equity9.5%+1.8pp

Debt / equity0.1×0.0×

Segments

By product

See full

Deposit Account$10.1M+4.2%

Fiduciary And Trust$6.8M+39.1%

Service Other$5.2M+5.3%

Mortgage Banking$2.9M+12.3%

Credit Card$2.4M+12.6%

Competitors

By market cap

PNC Financial Services$96.1B+21.4%

Truist Financial$61.6B+7.3%

UBS

United Bankshares$6.5B+24.9%

Eastern Bankshares, Inc.$5.0B+44.5%

United Community Banks$4.3B+12.3%

Northwest Bancshares$2.3B+26.9%

First United$290.6M+23.8%

Union Bankshares$116.6M-1.4%

By revenue growth

Eastern Bankshares, Inc.+81.8%

Northwest Bancshares+17.4%

UBS

United Bankshares+14.5%

Union Bankshares+14.0%

United Community Banks+13.8%

PNC Financial Services+13.2%

First United+11.4%

Truist Financial+4.1%

By net margin

UBS

United Bankshares40.18%+4.9pp

United Community Banks34.01%+6.0pp

Eastern Bankshares, Inc.33.5%+43.7pp

PNC Financial Services30.64%+2.3pp

Truist Financial28.01%+2.0pp

First United26.85%-1.5pp

Union Bankshares22.27%+3.4pp

Northwest Bancshares21.72%-2.2pp

Profile

United Bankshares Inc is a financial holding company that provides comprehensive community banking services through its primary subsidiary, United Bank. The company focuses on commercial and retail banking, mortgage services, and wealth management across the Mid-Atlantic and Southeast regions. Its core value proposition centers on a relationship-based community banking model supported by a disciplined acquisition strategy to expand its regional footprint.

Competitive position

A leading regional bank in the Mid-Atlantic and Southeast with a significant presence in the DC Metro and Atlanta MSAs, characterized by a high-touch community banking approach.

GeographiesWest Virginia, Virginia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Georgia, District of Columbia

Customer segmentsRetail consumers, SMEs, Commercial real estate developers, Institutional investors

Business modelInterest-based lending, Fee-for-service wealth management, Transaction-based mortgage banking

SuppliersDepositors, Federal Home Loan Bank (FHLB), Federal Reserve System, Technology and core banking software providers

CustomersCommercial borrowers, Residential mortgage holders, Wealth management clients, Secondary market investors

CountryUnited States of America

Listed1987

Employees2.6K

CEORichard Matthew Adams Jr.

SectorFinancial Services

IndustryBanks - Regional

Websiteubsi-inc.com

FilingsSEC EDGAR

FAQ

What is United Bankshares's market cap?: United Bankshares (UBSI) has a market capitalization of $6.5B and trades on NASDAQ.
What is United Bankshares's revenue and profitability?: United Bankshares generated $1.3B in trailing twelve-month revenue with net income of $515.2M, representing a net margin of 40.2%, with free cash flow of $533.9M. The latest reported period is Q2 2026.
Who are United Bankshares's competitors?: United Bankshares's key competitors include Truist Financial, PNC Financial Services, United Community Banks, Inc., and others. These companies compete in similar markets and product categories.
Who does United Bankshares partner with?: United Bankshares's notable partners include Zelle, NYCE, West Virginia University, and others.
What subsidiaries does United Bankshares have?: United Bankshares's subsidiaries include United Bank, United Brokerage Services, Inc., Piedmont Bancorp, Inc., and others.
Where is United Bankshares headquartered?: United Bankshares is headquartered in United States of America and employs approximately 2,635 people. It has been publicly traded since 1987.

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