United Bankshares

UBSI

Banks - Regional · Financial Services

Price

$47.81

+0.11 (+0.23%)

Market Cap

$6.59B

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Strong

Valuation

Good

Dividends

Mixed

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Share count rising — dilution

+8.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 129.5M (2021) → 141.0M (2025)

Winston Score History

The full picture

United Bankshares is a regional bank holding company based in Charleston, West Virginia. It offers everyday banking services like checking and savings accounts, home loans, business loans, and wealth management to individuals and businesses. It is one of the largest regional banks headquartered in the Mid-Atlantic and Southeast United States.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It also earns fees from services like mortgage banking and wealth management. United Bankshares operates mainly across West Virginia, Virginia, Maryland, Ohio, and the Carolinas, with over $29 billion in assets. Its long operating history and deep community roots give it a loyal customer base, but rising interest rates and credit quality in its loan portfolio remain key risks to watch as economic conditions evolve.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-7.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+10.6% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$5.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

United Bankshares's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+5.8%

Slow sales growth (+5.8% YoY)

Profit growth

EPS YoY

+29.2%

Earnings growing fast (+29.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

13.0x

Attractive valuation — P/E 13.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

3.12%

Moderate income — 3.12% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+2.0%

Dividend flat

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