United Bankshares UBSI Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 37.5%+1.5pp | 36%+1.3pp | 34.7%-1.4pp | 36.2%+0.1pp | |
| Free cash flow margin | 38.9%-3.0pp | 41.9%+1.7pp | 40.1%-30.7pp | 70.9%+12.7pp | |
| Returns | |||||
| Return on equity | 8.9%+1.2pp | 7.6%-0.2pp | 7.9%-0.3pp | 8.2%+0.1pp | |
| Return on assets | 1.5%+0.2pp | 1.2%0.0pp | 1.2%-0.1pp | 1.3%0.0pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | |||||
| Book value per share | $38.98+6.0% | $36.79+4.1% | $35.35+5.5% | $33.50-6.8% | |
| Valuation | |||||
| Market capitalization | $5.35B+5.4% | $5.08B+0.4% | $5.06B-7.2% | $5.45B+10.2% | |
| Enterprise value | $3.38B+1.6% | $3.33B-17.3% | $4.03B-16.1% | $4.8B+184% | |
| Price / earnings | 11.5×-2.1× | 13.6×-0.2× | 13.8×-0.6× | 14.4×+0.9× | |
| Price / sales | 4.3×-0.6× | 4.9×+0.1× | 4.8×-0.4× | 5.2×+0.3× | |
| Price / book | 1×0.0× | 1×0.0× | 1.1×-0.1× | 1.2×+0.2× | |
| EV / sales | 2.7×-0.5× | 3.2×-0.6× | 3.8×-0.8× | 4.6×+2.9× | |
| Free cash flow yield | 9%+0.5pp | 8.5%+0.2pp | 8.4%-5.3pp | 13.6%+1.6pp | |
| Earnings yield | 8.7%+1.3pp | 7.3%+0.1pp | 7.2%+0.3pp | 7%-0.5pp | |
| Dividend yield | 3.9%0.0pp | 4%+0.1pp | 3.9%+0.3pp | 3.5%-0.1pp | |
| PEG ratio | 0.5×-7.0× | 7.5×— | —— | 4.4×+3.9× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do United Bankshares's ratios come from?
- Every ratio is computed from United Bankshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
