NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP
United Bankshares Inc/wv UBSI
18 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY17 YEARS OF DIVIDEND GROWTH
Dividend streak
17 yrs
Raised every year since 2009
EPS · FY25
$3.27
Dividend / sh · FY25
$1.49
Payout · FY25
45%
ROE · FY25
8.9%
Net margin · FY25
—
Dividend coverage
2.2×
Advertisement
AdSense · Leaderboard 728×90320×100
Result
—
Revenue, FY2025 · full 18-year series below
Revenue
Net income
Per share
USD 3.27
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 2.2 times — the rest stayed in the company.
Profitability
8.9%
Return on equity, FY2025
ROE
Operating margin—
Net margin—
Return on assets1.5%
Each USD of equity produced 9 cents of profit this year.
Returned to shareholders
USD 335.2M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 209.0M
Net buybacksUSD 126.2M
Share of profit72.2%
Consecutive raises17 years
USD 209.0M in dividends and USD 126.2M in buybacks — 72% of the year's profit went back to shareholders.
Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+4.1%
Net income
+7.0%
+10.0%
+12.9%
+13.2%
EPS, diluted
+5.3%
+6.4%
+5.1%
+4.7%
Dividend / share
+1.1%
+1.3%
+1.5%
+1.5%
Returned to shareholders
+8.5%
+12.9%
+14.2%
+13.2%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
Advertisement
AdSense · Leaderboard 728×90300×250
Balance sheet
USD 33.7B
total assets, end of FY2025
Total assetsUSD 33.7B
EquityUSD 5.5B
CashUSD 2.5B
Gross debtUSD 730.4M
Net debtUSD -1.8B
DepositsUSD 27.1B
The company holds more cash than debt.
History
18 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
Revenue $B
·
·
·
0.3
0.3
0.3
0.3
0.2
·
·
·
·
·
·
·
·
·
·
Operating income $B
0.6
0.5
0.5
0.5
0.5
0.4
0.3
0.3
0.3
0.2
0.2
0.2
0.1
·
·
·
·
·
EBITDA $B
0.6
0.5
0.5
0.5
0.5
0.4
0.3
0.3
0.3
0.2
0.2
0.2
0.1
·
·
·
·
·
Income tax $B
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.5
0.4
0.4
0.4
0.4
0.3
0.3
0.3
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
EPS, diluted $
3.27
2.75
2.71
2.80
2.83
2.40
2.55
2.45
1.54
1.99
1.98
1.92
1.70
1.64
1.61
1.65
1.55
2.00
Dividend / sh $
1.49
1.48
1.45
1.44
1.41
1.40
1.37
1.36
1.33
1.32
1.29
1.28
1.25
1.24
1.21
1.20
1.17
1.16
Payout %
45
54
53
51
49
56
53
56
81
66
64
64
73
75
72
73
75
58
ROE %
8.9
7.6
7.9
8.2
8.2
7.5
7.9
7.9
5.5
7.5
8.2
9.6
8.4
8.4
8.6
9.3
9.0
11.6
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
35 of 35
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed