← UNITED BANKSHARES INC/WV UBSI
Market Price
$49.25
Market Cap
$6.76B
P/E Ratio
15.06
Revenue (FY 2025)
↑19.6% YoY
$1.24B
3-Yr CAGR: 58.3%
Net Income
↑24.6% YoY
$464.60M
Net Margin: 37.5%
Free Cash Flow
↑11.0% YoY
$481.19M
FCF Yield: 7.12%
EPS (Diluted)
↑18.9% YoY
$3.27
Basic: $3.28
Return on Equity
Efficiency
8.5%
ROA: 1.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UBSI)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $441.0M | — | $396.0M | $147.1M | — | $1.99 | — | $166.7M | $159.5M | — |
| FY 2017 | $566.0M | +28.4% | $491.2M | $150.6M | +2.4% | $1.54 | -22.6% | $253.9M | $239.6M | +50.2% |
| FY 2018 | $608.8M | +7.6% | $479.8M | $256.3M | +70.2% | $2.45 | +59.1% | $292.5M | $286.8M | +19.7% |
| FY 2019 | $728.4M | +19.6% | $543.8M | $260.1M | +1.5% | $2.55 | +4.1% | $147.7M | $136.6M | -52.4% |
| FY 2020 | $263.2M | -63.9% | $154.6M | $289.0M | +11.1% | $2.40 | -5.9% | $140.4M | $121.4M | -11.1% |
| FY 2021 | $331.0M | +25.7% | $278.6M | $367.7M | +27.2% | $2.83 | +17.9% | $609.5M | $594.2M | +389.3% |
| FY 2022 | $312.0M | -5.7% | $206.4M | $379.6M | +3.2% | $2.80 | -1.1% | $760.8M | $744.0M | +25.2% |
| FY 2023 | $1,055.2M | +238.2% | $573.8M | $366.3M | -3.5% | $2.71 | -3.2% | $435.2M | $423.6M | -43.1% |
| FY 2024 | $1,034.8M | -1.9% | $443.7M | $373.0M | +1.8% | $2.75 | +1.5% | $445.5M | $433.3M | +2.3% |
| FY 2025 | $1,237.3M | +19.6% | $653.6M | $464.6M | +24.6% | $3.27 | +18.9% | $498.9M | $481.2M | +11.0% |
Valuation
Market Price
$49.25
Market Cap
$6.76B
Enterprise Value
$5.86B
P/E Ratio
15.06
P/B Ratio
1.23
FCF Yield
7.12%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
52.83%
Operating Margin
47.15%
Net Margin
37.55%
Return on Equity (ROE)
8.45%
Return on Assets (ROA)
1.38%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
58.29%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.097
Debt / Assets
0.016
Cash & Equivalents
$1.43B
Total Debt
$531.82M
Book Value / Share
$39.88
Cash Flow Efficiency
Operating Cash Flow
$498.91M
Capital Expenditures (CapEx)
$17.71M
Free Cash Flow
$481.19M
OCF / Revenue
40.32%
FCF / Revenue
38.89%
FCF 3-Yr CAGR
-13.52%
Per Share Metrics
EPS (Diluted)
$3.27
EPS (Basic)
$3.28
Dividends / Share
N/A
Book Value / Share
$39.88
EPS YoY Growth
18.91%
Balance Sheet (FY 2025)
Total Assets
$33.66B
Total Liabilities
$52.28M
Stockholders' Equity
$5.50B
Current Assets
N/A
Current Liabilities
N/A