United Bankshares (UBSI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), United Bankshares had a P/E ratio of 11.60 (down from 13.61), return on equity of 8.9% (up from 7.6%), debt-to-equity of 0.15 (down from 0.16) and return on assets of 1.5% (up from 1.2%). Its dividend yield was 3.86% with a payout ratio of 45.0%.

United Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.60	13.61	13.83	14.36	13.45	14.55
Forward P/E	11.36	13.70	14.48	13.58	14.46	14.35
P/S Ratio	4.47	5.02	4.94	5.27	4.72	4.47
P/B Ratio	0.98	1.01	1.06	1.20	1.04	0.98
Price/Tangible Book	1.55	1.64	1.76	2.08	1.76	1.70
Price/FCF	11.18	11.69	11.93	7.31	8.30	34.53
Price/OCF	10.78	11.37	11.61	7.15	8.09	29.86
PEG Ratio	1.82	1.82	1.82	1.82	1.82	1.82
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	8.86%	7.64%	7.89%	8.22%	8.16%	7.55%
Return on Assets (ROA)	1.46%	1.24%	1.23%	1.29%	1.33%	1.26%
Leverage & Solvency Ratios
Debt/Equity	0.15	0.16	0.44	0.54	0.22	0.25
Debt/FCF	1.72	1.85	4.91	3.27	1.75	9.00
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.64%	7.36%	7.25%	6.98%	7.46%	6.89%
FCF Yield	8.95%	8.55%	8.38%	13.68%	12.05%	2.90%
Dividend Yield	3.86%	3.95%	3.86%	3.56%	3.89%	5.29%
Payout Ratio	44.99%	53.82%	53.16%	50.85%	49.30%	56.30%
Buyback Yield	-4.88%	-0.35%	0.27%	-4.33%	-7.85%	-17.91%
Total Return	-1.02%	3.60%	4.13%	-0.77%	-3.96%	-12.61%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About United Bankshares Financial Ratios

What is United Bankshares's P/E ratio?

United Bankshares's P/E ratio was 11.60 for fiscal 2025 (period ended Dec 31, 2025). It was 13.61 a year earlier.

What is United Bankshares's return on equity?

United Bankshares's return on equity (ROE) was 8.9% for fiscal 2025 (period ended Dec 31, 2025). It was 7.6% a year earlier.

What is United Bankshares's debt-to-equity ratio?

United Bankshares's debt-to-equity ratio was 0.15 for fiscal 2025 (period ended Dec 31, 2025). It was 0.16 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition