United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
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The chart shows the growth of an initial investment of $10,000 in United Bankshares Inc, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
United Bankshares Inc (UBSI) has returned 9.21% so far this year and 35.06% over the past 12 months. Looking at the last ten years, UBSI has achieved an annualized return of 1.32%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of United Bankshares Inc (UBSI) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.41% | -2.53% | 1.02% | 0.99% | ||||||||
| 2025 | 1.72% | -4.16% | -4.28% | -0.46% | 6.29% | 1.36% | -2.42% | 8.92% | -2.03% | -3.82% | 4.43% | 3.34% |
| 2024 | -3.50% | -3.64% | 4.01% | -9.15% | -1.10% | -1.31% | 21.13% | -0.08% | -3.49% | 2.14% | 11.56% | -11.61% |
| 2023 | -0.86% | 1.90% | -13.30% | -6.23% | -10.44% | 0.07% | 12.55% | -9.75% | -9.15% | 2.82% | 16.67% | 14.31% |
| 2022 | -3.79% | 4.27% | -3.70% | -5.30% | 11.16% | -6.60% | 10.46% | -4.01% | -3.46% | 16.73% | 0.70% | -5.84% |
| 2021 | -3.62% | 13.69% | 1.85% | 1.60% | 3.75% | -12.03% | -6.27% | 4.94% | 0.25% | 1.62% | -4.21% | 0.33% |
| 2020 | -11.83% | -16.41% | -20.33% | 31.69% | -1.26% | -5.37% | -8.99% | -1.43% | -17.42% | 21.60% | 9.54% | 8.43% |
| 2019 | 14.47% | 8.14% | -6.28% | 7.45% | -9.05% | 3.95% | -0.19% | -1.57% | 3.75% | 3.32% | -4.73% | 1.36% |
| 2018 | 4.10% | -2.74% | -0.56% | -3.55% | 7.52% | -1.36% | 2.50% | 5.91% | -7.62% | -9.59% | 8.39% | -14.65% |
| 2017 | -4.78% | -1.43% | -0.47% | -6.34% | -4.85% | 1.82% | -12.10% | -3.31% | 10.40% | -3.62% | 3.87% | -7.46% |
| 2016 | 5.02% | 2.76% | -5.18% | 1.24% | 2.68% | -4.49% | -0.29% | 21.93% | -0.11% |
The charts below present risk-adjusted performance metrics for United Bankshares Inc (UBSI) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of UBSI compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current United Bankshares Inc volatility is 1.01%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B | 26.18B | 19.66B | 19.25B | 19.06B | 14.51B | 12.58B | 12.33B | 8.74B | 8.42B | 8.45B |
| Equity Attributable To Parent (USD) | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B | 4.30B | 3.36B | 3.25B | 3.24B | 2.24B | 1.71B | 1.66B | 1.04B | 992.25M | 968.84M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B | 4.30B | 3.36B | 3.25B | 3.24B | 2.24B | 1.71B | 1.66B | 1.04B | 992.25M | 968.84M |
| Long-term Debt (USD) | 531.82M | 540.42M | 1.79B | 2.20B | 817.39M | 864.37M | 1.84B | 1.50B | 1.36B | 1.17B | 1.02B | 1.11B | 575.70M | 284.93M | 345.37M |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Wages (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B | 21.89B | 16.30B | 16.00B | 15.82B | 12.27B | 10.87B | 10.67B | 7.69B | 7.43B | 7.48B |
| Liabilities (USD) | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B | 21.89B | 16.30B | 16.00B | 15.82B | 12.27B | 10.87B | 10.67B | 7.69B | 7.43B | 7.48B |
| Fixed Assets (USD) | 208.83M | 186.13M | 190.52M | 199.16M | 197.22M | 175.82M | 96.64M | 95.25M | 104.89M | 75.91M | 73.09M | 77.52M | 69.90M | 72.17M | 76.44M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B | 26.18B | 19.66B | 19.25B | 19.06B | 14.51B | 12.58B | 12.33B | 8.74B | 8.42B | 8.45B |
| Assets (USD) | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B | 26.18B | 19.66B | 19.25B | 19.06B | 14.51B | 12.58B | 12.33B | 8.74B | 8.42B | 8.45B |
United Bankshares reported record Q2 2025 earnings, with diluted EPS of $0.85, exceeding analyst estimates. The Piedmont Bancorp acquisition drove growth, improving net interest margin and operational efficiency while maintaining strong capital ratios.
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United Bankshares' (UBSI) buyout of Piedmont will help the former strengthen its position in the Mid-Atlantic and Southeast markets.
The headline numbers for United Bankshares (UBSI) give insight into how the company performed in the quarter ended March 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
United Bankshares (UBSI) delivered earnings and revenue surprises of -1.54% and 0.48%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
United Bankshares (UBSI) is well-positioned for top-line growth with decent loan demand and improving fee income. A solid balance sheet and earnings keep the capital distribution prospects sustainable.
New York Community Bancorp (NYSE:NYCB) finds itself in the eye of the storm once again. On Thursday, the bank publicly acknowledged a “material weakness” in its internal controls concerning loan review processes. This admission was accompanied by a major leadership change at the top, highlighting a period of upheaval for the company. The bank cited “ineffective oversight, risk assessment, and monitoring activities” as the root of the issues and promised to outline a remediation plan in its forthcoming annual report to the U.S. Securities and Exchange Commission within the next 15 days. Thomas R. Cangemi, the former CEO, stepped down immediately after 27 years at the helm of the bank but will continue to serve on the board. The bank has appointed Alessandro DiNello as the new President and CEO and Marshall Lux as the Presiding Director of the Board. Following these announcements, New York Community’s shares plummeted by over 20% shortly after the market opened on Friday. ...Full story available on Benzinga.com
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