# United Bankshares share price today (United Bankshares, Inc., UBSI)

> United Bankshares, Inc. is reporting record margins. UBSI · Financials · Banks - Regional · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/ubsi

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $48.39 (+32.4% in a year)
- P/BV: 1.2× (higher than 96% of the last 5.3 years)
- Revenue (Sep 2026): $319 M (+2.5% on a year ago)
- Profit (Sep 2026): $129 M (−1.3% on a year ago)
- Net margin: 40.4% (−1.5 points on a year ago)
- ROE: 9%, FY25
- ROA: 1.52%, latest

Biggest thing to watch: the net margin is the best this company has ever reported. Every ratio looks better at a record, so the story depends on the net margin staying high. ## What is the United Bankshares share price today? United Bankshares, Inc.'s share price was $48.39 at the close on 5 November 2026. It has been rising for 39 weeks. That is 7.7% above its average price over the last 200 trading days. In the last 52 weeks it traded between $36 and $49, and at that close it sat 93% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 10 years the share price moved +29% while the S&P 500 moved +245%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does United Bankshares pay? United Bankshares, Inc. paid $1.52 per share over the last four reported quarters. The most recent declaration was $0.38 for Sep 2026. At today's price of $48.39 that is a yield of 3.14%, based on dividends already paid, not a forecast. ## Which stock lists is United Bankshares on? United Bankshares is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is United Bankshares profitable? United Bankshares, Inc. earned $129 M of net profit in the Sep 2026 quarter, −1.3% on the same quarter a year earlier. Full-year FY25 profit was $464 M. Over 4 years profit has grown 6.0% a year on average. That is 40.4% of the quarter's revenue. The same quarter a year earlier earned $130 M. For the full year, FY25 profit was $464 M (+24.6% on the year before). Why profit moved: revenue changed +2.5% on a year earlier and the margin moved −1.5 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed +22.9% and revenue +10.6%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does United Bankshares make, and is it growing? United Bankshares, Inc. reported $319 M of income in the Sep 2026 quarter, +2.5% on the same quarter a year earlier. That is the 7th quarter in a row with growth on the year before. Over 4 years it has grown 3.6% a year on average. The last full year, FY25, came in at $1.2 B. The last four reported quarters add to $1.3 B. FY25 revenue was $1.2 B, +19.1% on the year before. Recent pace: the last four quarters grew +10.6% on average, against 3.6% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +10.0%, against +11.5% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +19.4%, against +19.8% a year (stabilising). ## How much does United Bankshares keep from what it earns? United Bankshares, Inc.'s net margin was 40.4% in the Sep 2026 quarter, 1.5 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between 35.1% and 38.6%. The latest quarter is above every full year in that period. Across 5 years it has been between 35.1% and 38.6%, and FY25's 38.6% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. ## How many of United Bankshares' loans have gone bad? United Bankshares, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is United Bankshares' loan book growing? United Bankshares, Inc.'s revenue was $1.2 B in FY25, +19.1% on the year before, so the loan book is growing. The latest quarter was +2.5% on a year earlier. The net margin on that income is 40.4%, −1.5 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is United Bankshares' P/BV ratio, and how does it compare with its own history? United Bankshares, Inc.'s P/BV is 1.2×, near the high end of its own history: higher than 96% of past readings. Its usual P/BV (the middle reading) is 1.0×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 9% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +32.4%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +4.8% a year; about +3.2% a year came from book-value growth and about +1.6 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the United Bankshares business getting better or worse? United Bankshares, Inc.'s business is giving mixed signals. There is no clear direction across the growth lines, with ROE steady at 9.5%; each line tells part of the story. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does United Bankshares earn on its equity and assets? United Bankshares, Inc. earned a return on equity of 8% in FY25. Its lowest yearly reading on file was 8% in FY24. On its assets, every $100 earned about $1.52, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does United Bankshares have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the United Bankshares shareholding pattern? 5.2% of United Bankshares, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 5.9 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is United Bankshares from balance-sheet trouble? For United Bankshares, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does United Bankshares rank in its industry? There is no score against its industry: United Bankshares, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is United Bankshares compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to United Bankshares in size? United Bankshares is the 46th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: BOK Financial Corporation, Commerce Bancshares, Inc. and Valley National Bancorp. Just below it: Glacier Bancorp, Inc., F.N.B. Corporation and Home BancShares, Inc. ### Banks - Regional companies close in size

1. [BOK Financial Corporation](https://www.sectoralpha.in/us/stocks/bokf) $7.9 billion
2. [Commerce Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/cbsh) $7.8 billion
3. [Valley National Bancorp](https://www.sectoralpha.in/us/stocks/vly) $7.7 billion
4. United Bankshares, Inc. $6.5 billion
5. [Glacier Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/gbci) $6.3 billion
6. [F.N.B. Corporation](https://www.sectoralpha.in/us/stocks/fnb) $6.3 billion
7. [Home BancShares, Inc.](https://www.sectoralpha.in/us/stocks/homb) $6 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Enact Holdings, Inc.](https://www.sectoralpha.in/us/stocks/act) $6.6 billion · Insurance - Specialty
2. [Birkenstock Holding plc](https://www.sectoralpha.in/us/stocks/birk) $6.6 billion · Footwear & Accessories
3. United Bankshares, Inc. $6.6 billion
4. [Liberty Broadband Corporation](https://www.sectoralpha.in/us/stocks/lbrda) $6.6 billion · Telecom Services
5. [Lantheus Holdings, Inc.](https://www.sectoralpha.in/us/stocks/lnth) $6.6 billion · Drug Manufacturers - Specialty & Generic

## What else do people ask about United Bankshares? ### What were United Bankshares's latest quarterly results? United Bankshares, Inc. reported total income of $319 M and net profit of $129 M for the Sep 2026 quarter. Income rose 2.5% and profit fell 1.3% compared with a year earlier. Earnings per share were $0.94. The net margin was 40.4%, 1.5 percentage points lower than a year earlier (as of 5 November 2026). ### What is United Bankshares's market cap? United Bankshares, Inc.'s market capitalisation is $6.5 B at a stock price of $48.39. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is United Bankshares performing? United Bankshares, Inc.'s share price has been rising for 39 weeks. In its latest quarter, income rose 2.5% and profit fell 1.3% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 5 November 2026). ### Will United Bankshares's stock price go up? This page does not forecast United Bankshares, Inc.'s stock price. What it shows instead: the stock price is $48.39, and it has been rising for 39 weeks. Its P/BV of 1.2× is higher than 96% of its own last 5 years (as of 5 November 2026). ### Where is United Bankshares in its business cycle? United Bankshares, Inc.'s FY25 net margin was 38.6%, against a 5-year range of 35.1% to 38.6%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 40.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the United Bankshares story? Biggest thing to watch: the net margin is the best this company has ever reported. Every ratio looks better at a record, so the story depends on the net margin staying high. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is United Bankshares a stock worth studying right now? What the numbers show: United Bankshares, Inc. is reporting record margins. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). This is research, not advice. We’re not SEBI-registered.