UBSI
United Bankshares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
+14/100
Last price
46.08
▼ 0.35 (0.75%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
46.65
Prev close
46.43
Day high
46.73
Day low
45.99
Volume
777.25K
Market cap
$6.27B
P/E (TTM)
12.55
52W range
34.10 – 49.62
Day trading desk
Gap from prior close
+0.47%
Prior close 46.43
VWAP
46.14
-0.13% from price
Relative volume
1.29×
Normal
Session range
1.61%
45.99 – 46.73
Position in range
12%
Near session low
ATR (14D)
0.78
1.70% of price
Prior day high
47.11
PDH
Prior day low
46.32
PDL
Bid / ask spread
—
Quote not published
Session volume
1.27M
Avg 985.73K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.20%
-2.1%
1M
-3.70%
-4.9%
3M
+1.68%
-2.8%
6M
+8.61%
-9.6%
YTD
+19.95%
+5.7%
1Y
+23.85%
+7.4%
3Y
+66.94%
-15.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UBSI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
3.01M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 1, 26 | NESSELROAD MARK R Director |
SELL | 3.20K | $148.54K | Indirect |
| Feb 23, 26 | CONSAGRA JAMES J JR Chief Operating Officer |
STOCK | 13.98K | $0 | Direct |
| Feb 23, 26 | ADAMS RICHARD M SR Officer and Director |
STOCK | 16.01K | $0 | Direct |
| Feb 23, 26 | ADAMS RICHARD M. JR. Chief Executive Officer |
STOCK | 17.09K | $0 | Direct |
| Feb 23, 26 | WILLIAMS DARREN K. Officer |
STOCK | 4.25K | $0 | Direct |
| Feb 23, 26 | TATTERSON WILLIAM MARK Officer |
STOCK | 9.25K | $0 | Direct |
| Feb 23, 26 | ERNEST DOUGLAS BRYAN Officer |
STOCK | 3.75K | $0 | Direct |
| Feb 23, 26 | DRABER ROSS M Officer |
STOCK | 3.70K | $0 | Direct |
| Feb 19, 26 | CONSAGRA JAMES J JR Chief Operating Officer |
STOCK | 17.15K | $0 | Direct |
| Feb 19, 26 | ADAMS RICHARD M SR Officer and Director |
STOCK | 21.55K | $0 | Direct |
| Feb 19, 26 | NESSELROAD MARK R Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | WINTER PAUL CLINTON JR Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | CONVERSE PETER A Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | WEDDLE MARY K Director |
STOCK | 1.59K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ADAMS RICHARD M SR |
Officer and Director | 1.00M | Stock Award(Grant) |
ADAMS RICHARD M. JR. |
Chief Executive Officer | 213.95K | Stock Award(Grant) |
CONSAGRA JAMES J JR |
Chief Operating Officer | 159.80K | Stock Award(Grant) |
CONVERSE PETER A |
Director | 438.26K | Stock Award(Grant) |
ERNEST DOUGLAS BRYAN |
Officer | 59.90K | Stock Award(Grant) |
MCNAMARA J PAUL |
Director | 81.61K | Stock Award(Grant) |
NESSELROAD MARK R |
Director | — | Sale |
TATTERSON WILLIAM MARK |
Officer | 108.91K | Stock Award(Grant) |
WILLIAMS DARREN K. |
Officer | 52.95K | Stock Award(Grant) |
WINTER PAUL CLINTON JR |
Director | 496.46K | Stock Award(Grant) |
Fundamentals
Market cap$6.27B
Enterprise value$4.98B
Revenue (TTM)$1.25B
Gross profit$1.25B
EBITDA—
Net income$514.23M
EPS (TTM)$3.67
Free cash flow—
Total cash$2.08B
Total debt$799.45M
Book value / share$40.33
Shares outstanding136.17M
Float132.55M
Short % of float4.66%
Dividend yield3.27%
Beta (5Y)0.74
Valuation & profitability ratios
Trailing P/E12.55
Forward P/E11.91
PEG ratio1.95
Price / sales—
Price / book1.14
EV / revenue3.98
EV / EBITDA—
Gross margin0.00%
Operating margin53.08%
Profit margin41.20%
Return on equity9.47%
Return on assets1.55%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.24B | $1.03B | $1.05B | $1.04B | +20.0% |
| Operating revenue | $1.24B | $1.03B | $1.05B | $1.04B | +20.0% |
| Selling, general & admin | $323.41M | $307.97M | $309.55M | $300.34M | +5.0% |
| Pre-tax income | $583.40M | $464.58M | $463.81M | $475.78M | +25.6% |
| Tax provision | $118.80M | $91.58M | $97.49M | $96.16M | +29.7% |
| Net income | $464.60M | $373.00M | $366.31M | $379.63M | +24.6% |
| Net income to common | $463.57M | $372.16M | $365.43M | $379.63M | +24.6% |
| Basic EPS | 3.28 | 2.76 | 2.72 | 2.81 | +18.8% |
| Diluted EPS | 3.27 | 2.75 | 2.71 | 2.80 | +18.9% |
| Basic shares | 141.50M | 134.95M | 134.51M | 134.78M | +4.9% |
| Diluted shares | 141.83M | 135.23M | 134.75M | 135.12M | +4.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $2.54B | $2.29B | $1.60B | $1.18B | +10.9% |
| Accounts receivable | $109.23M | $102.41M | $111.42M | $94.89M | +6.7% |
| Property, plant & equipment | $298.14M | $267.87M | $277.51M | $270.31M | +11.3% |
| Goodwill & intangibles | $2.02B | $1.89B | $1.89B | $1.91B | +6.9% |
| Total assets | $33.66B | $30.02B | $29.93B | $29.49B | +12.1% |
| Long-term debt | $531.82M | $540.42M | $1.79B | $2.20B | -1.6% |
| Total debt | $627.21M | $627.19M | $1.88B | $2.27B | +0.0% |
| Total liabilities | $28.16B | $25.03B | $25.16B | $24.97B | +12.5% |
| Retained earnings | $2.17B | $1.92B | $1.75B | $1.58B | +13.2% |
| Shareholder equity | $5.50B | $4.99B | $4.77B | $4.52B | +10.1% |
| Net tangible assets | $3.48B | $3.10B | $2.88B | $2.61B | +12.0% |
| Shares issued | 150.86M | 142.69M | 142.26M | 142.01M | +5.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $464.60M | $373.00M | $366.31M | $379.63M | +24.6% |
| Depreciation & amortisation | -$13.05M | $10.40M | $23.11M | $23.67M | -225.5% |
| Stock-based compensation | $13.09M | $12.13M | $12.46M | $9.88M | +7.9% |
| Change in working capital | -$36.74M | $13.66M | -$1.36M | $30.88M | -369.1% |
| Operating cash flow | $498.91M | $445.45M | $435.24M | $760.82M | +12.0% |
| Capital expenditure | -$17.71M | -$12.13M | -$11.69M | -$16.86M | -46.1% |
| Investing cash flow | -$899.31M | $571.49M | $38.99M | -$3.45B | -257.4% |
| Share buybacks | -$126.99M | -$1.04M | -$1.38M | -$79.46M | -12,110.5% |
| Dividends paid | -$209.00M | -$200.73M | -$194.73M | -$193.04M | -4.1% |
| Financing cash flow | $650.41M | -$323.64M | -$51.94M | $105.32M | +301.0% |
| Free cash flow | $481.19M | $433.33M | $423.55M | $743.96M | +11.0% |
| End cash position | $2.54B | $2.29B | $1.60B | $1.18B | +10.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $323.15M | $315.95M | $317.97M | $322.74M | $305.39M | +2.3% |
| Operating revenue | $323.15M | $315.95M | $317.97M | $322.74M | $305.39M | +2.3% |
| Selling, general & admin | $87.39M | $83.95M | $80.55M | $83.08M | $80.89M | +4.1% |
| Pre-tax income | $164.14M | $155.99M | $159.90M | $164.48M | $152.09M | +5.2% |
| Tax provision | $32.77M | $31.79M | $31.07M | $33.73M | $31.37M | +3.1% |
| Net income | $131.38M | $124.20M | $128.83M | $130.75M | $120.72M | +5.8% |
| Net income to common | $131.38M | $124.01M | $128.54M | $130.46M | $120.72M | +5.9% |
| Basic EPS | 0.95 | 0.89 | 0.92 | 0.92 | 0.85 | +6.7% |
| Diluted EPS | 0.95 | 0.89 | 0.91 | 0.92 | 0.85 | +6.7% |
| Basic shares | 137.98M | 139.57M | 140.48M | 141.55M | 142.21M | -1.1% |
| Diluted shares | 138.42M | 140.09M | 140.98M | 141.96M | 142.44M | -1.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $2.08B | $2.30B | $2.54B | $2.52B | $2.31B | -9.7% |
| Accounts receivable | $99.66M | $109.47M | $109.23M | $112.08M | $107.49M | -9.0% |
| Property, plant & equipment | $304.06M | $296.98M | $298.14M | $297.64M | $299.87M | +2.4% |
| Goodwill & intangibles | $2.02B | $2.02B | $2.02B | $2.02B | $2.02B | 0.0% |
| Total assets | $33.75B | $33.71B | $33.66B | $33.41B | $32.78B | +0.1% |
| Long-term debt | $532.62M | $532.22M | $531.82M | $531.42M | $551.02M | +0.1% |
| Total debt | $632.37M | $626.14M | $627.21M | $627.32M | $647.92M | +1.0% |
| Total liabilities | $28.24B | $28.22B | $28.16B | $27.96B | $27.42B | +0.1% |
| Retained earnings | $2.32B | $2.24B | $2.17B | $2.09B | $2.02B | +3.5% |
| Shareholder equity | $5.51B | $5.49B | $5.50B | $5.45B | $5.36B | +0.4% |
| Net tangible assets | $3.49B | $3.47B | $3.48B | $3.43B | $3.35B | +0.6% |
| Shares issued | 136.94M | 151.17M | 150.86M | 150.83M | 150.83M | -9.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Operating cash flow | $105.16M | $160.86M | $138.92M | $150.64M | $89.36M | -34.6% |
| Capital expenditure | -$7.15M | -$4.84M | -$5.43M | -$4.22M | -$4.17M | -47.8% |
| Investing cash flow | -$260.88M | -$304.11M | -$222.72M | -$402.77M | -$255.15M | +14.2% |
| Share buybacks | -$65.99M | -$70.26M | -$47.58M | -$26.50M | -$32.55M | +6.1% |
| Dividends paid | -$53.30M | -$53.38M | -$52.48M | -$52.72M | -$53.33M | +0.1% |
| Financing cash flow | -$68.01M | -$93.96M | $107.33M | $456.16M | -$129.71M | +27.6% |
| Free cash flow | $98.01M | $156.02M | $133.49M | $146.42M | $85.20M | -37.2% |
| End cash position | $2.08B | $2.31B | $2.54B | $2.52B | $2.31B | -9.7% |
Options analytics
Put / call volume
—
—
Put / call open interest
2.00
Positioning, not flow
Max pain
45.00
-2.3% from spot
ATM implied vol
60.2%
Nearest strike to spot
Skew (10% OTM)
-16.5%
Calls bid over puts
Call volume
0
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
50.00
1 contracts
Heaviest put OI
45.00
2 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.89 | 0.95 | +7.1% |
| Mar 2026 | 0.85 | 0.89 | +4.7% |
| Dec 2025 | 0.86 | 0.91 | +6.1% |
| Sep 2025 | 0.82 | 0.92 | +11.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.93 | 6 | $325.80M | +0.5% |
| Next quarter | 0.95 | 5 | $328.10M | +2.8% |
| Current year | 3.69 | 6 | $1.29B | +4.3% |
| Next year | 3.87 | 6 | $1.34B | +3.9% |
Analyst targets & ownership
Mean target$50.33
High target$52.00
Low target$48.00
Implied upside9.23%
Analyst count6
ConsensusHOLD
Strong buy / Buy2 / 0
Hold4
Sell / Strong sell0 / 0
Held by insiders2.21%
Held by institutions77.02%
Institutions holding566
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
46.44
-0.76% from price
SMA 20
46.80
-1.59% from price
SMA 50
47.62
-3.28% from price
SMA 100
46.34
-0.56% from price
SMA 200
44.13
+4.38% from price
EMA 12
46.55
-1.01% from price
EMA 26
46.87
-1.68% from price
EMA 50
46.94
-1.84% from price
RSI (14)
41.5
Neutral
MACD (12,26,9)
-0.32
Hist -0.02
ATR (14)
0.78
1.70% of price
Realised vol 30D
13.5%
Annualised
Bollinger upper
47.84
20, 2σ
Bollinger lower
45.77
20, 2σ
50 / 200 cross
Golden
47.62 vs 44.13
Trend bias
Above 200
+4.38%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.50
Less volatile than market
Correlation to SPY
0.30
Largely independent
Realised vol 30D
13.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.1%
Peak to trough
Max drawdown 5Y
-40.6%
Peak to trough
ATR 14
0.78
1.70% of price
Beta (reported)
0.74
5Y monthly, from filing
Short interest
Shares short
6.17M
Prior 5.46M
Change vs prior
+12.9%
Shorts adding
% of float
4.66%
Normal
% of shares out
4.53%
Against total outstanding
Days to cover
7.3
Crowded exit
Float
132.55M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 27, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 1, 26 | Raymond James | MAINTAINED | Outperform | Outperform |
| Jun 24, 26 | Hovde Group | INITIATED | — | Market Perform |
| Jan 26, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 23, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Oct 24, 25 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Apr 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 27, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 26, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 26, 24 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Jul 26, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
Dividends & splits
Forward rate$1.52 / yr
Forward yield3.27%
5-year avg yield3.93%
Payout ratio41.14%
Ex-dividend dateSep 11, 2026
Next pay dateOct 1, 2026
Last split2:1
Split dateMar 30, 1998
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-24
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-23
Annual report of employee stock purchase
11-K · 2026-06-15
Corporate Changes & Voting Matters
8-K · 2026-05-18
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-23
Proxy Statements
DEFA14A · 2026-04-01
Headlines
3 Stocks Under $50 with Warning Signs
StockStory · 2d ago
This is Why United Bankshares (UBSI) is a Great Dividend Stock
Zacks · 4d ago
Q2 Earnings Highlights: United Bankshares (NASDAQ:UBSI) Vs The Rest Of The Regional Banks Stocks
StockStory · 15d ago
United Bankshares (UBSI) Could Be a Great Choice
Zacks · 20d ago
Is United Bankshares’ (UBSI) GovCon Push a Niche Bet or a Strategic Growth Platform?
Simply Wall St. · 21d ago
United Bank Hires Phil Poliquin to Lead Government Contracting Business
Business Wire · 22d ago
United Bankshares Inc's Dividend Analysis
GuruFocus.com · 26d ago
United Bankshares Director Sells 3,200 Shares for $148,544
Motley Fool · 26d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.