Quarter
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UNITED BANKSHARES INC/WV

UBSI

CIK 0000729986 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$430M
↑+14.4% +$54Mvs FY2024 (Q4)
Operating Income
$426M
↑+13.3% +$50Mvs FY2024 (Q4)
Net Income
$129M
↑+36.5% +$34Mvs FY2024 (Q4)
Gross Profit
$430M
↑+14.4% +$54Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
27/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    95D/E 0.10 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.05x (1.0+ = capital-efficient)
  • Growth
    65Revenue YoY +14.4% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project UBSI's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was -13.5%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$47.36
Total enterprise IV
$6.72B
Diluted shares
0.14B
Terminal PV
$4.73B (70% of total)
Year-5 FCF
$558M
YearProjected FCFDiscounted PV
+1$496M$451M
+2$510M$422M
+3$526M$395M
+4$542M$370M
+5$558M$346M
Terminal$7.62B$4.73B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$18M
investment in PP&E
Dividends paid (TTM)
$209M
cash returned to holders
Stock buybacks (TTM)
$127M
share count reduction

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$33.66B
everything owned
Total liabilities
$28.16B
everything owed
Stockholders' equity
$5.50B
shareholder claim
Net debt
$-1.14B
Net cash position ($1.14B)

Recent performance · 67 quarters

Revenue↑+14.4% +$54M
$430M
Net Income↑+36.5% +$34M
$129M
Free Cash Flow↑+0.0% +$8K
$133M

Drill down

UBSI Sankey

See UNITED BANKSHARES INC/WV's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

UBSI Charts

67 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

UBSI Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics