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United Bankshares, Inc.

United Bankshares, Inc.

NASDAQ•UBSI
CEO: Mr. Richard M. Adams Sr.
セクター: Financial Services
業種: Banks - Regional
上場日: 1987-06-04
United Bankshares, Inc., through its subsidiaries, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, student, credit card receivables, personal, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as investment management and retirement planning services. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
連絡先情報
300 United Center, 500 Virginia Street, East, Charleston, WV, 25301, United States
304-424-8716
www.ubsi-inc.com
時価総額
$6.21B
PER (TTM)
13.4
14.8
配当利回り
3.4%
52週高値
$45.93
52週安値
$30.51
52週レンジ
89%
順位41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$460.99M+13.98%
直近4四半期の推移

EPS

$0.92+31.43%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Income Growth Nine-month net income rose to $335.78M from $278.59M, driven by acquisition synergies and higher earning asset levels post-Piedmont merger.
Net Interest Margin Expansion Tax-equivalent NIM improved 28 basis points to 3.77% for nine months, reflecting better asset yields and lower funding costs compared to prior year.
Asset Growth Post-Acquisition Total assets reached $33.41B, up 11.27% from year-end 2024, primarily due to the January 2025 acquisition of Piedmont Bancorp, Inc.
Capital Position Remains Strong Risk-based capital ratio stands at 15.67% and CET1 ratio at 13.40% as of September 30, 2025, indicating sound regulatory compliance.

リスク要因

Provisioning Significantly Increased Provision for credit losses surged to $47.09M (9 months) from $18.46M, heavily impacted by $18.73M provision for acquired non-PCD loans.
Nonperforming Loans Rising Nonaccrual loans increased to $110.24M from $56.46M, driven by specific downgrades in the CRE Nonowner-Occupied segment.
CRE Exposure Concerns Noted Management cited greater risk in the office portfolio within the CRE NOO segment due to challenging market dynamics and stress.
Derivative Fair Value Volatility Changes in fair value for undesignated derivatives, like interest rate lock commitments, impact noninterest income quarterly.

見通し

Continued Merger Integration Focus Management is focused on realizing expected synergies and cost savings from the Piedmont acquisition over the coming periods.
Credit Quality Monitoring Intensified Expect continued close monitoring of loan portfolios, especially CRE NOO, with reserves adjusted based on reasonable and supportable forecasts.
NIM Sensitivity to Rates Earnings simulation shows NII sensitivity to rate shocks; a 100 basis point upward shock is estimated to increase NII by 2.39% over one year.
Tax Rate Normalization Expected Effective tax rate for nine months was 20.72%; management notes potential changes in disclosures due to new FASB standards adoption.

同業比較

売上高 (TTM)

Grupo Aval Acciones y Valores S.A.AVAL
$8.75B
-3.5%
Grupo Financiero Galicia S.A.GGAL
$8.17B
+56.7%
Valley National BancorpVLY
$3.49B
-2.2%

粗利益率 (最新四半期)

First Financial Bankshares, Inc.FFIN
76.2%
+2.4pp
Columbia Banking System, Inc.COLB
75.6%
+12.4pp
Hancock Whitney CorporationHWC
75.6%
+5.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
VLY$7.48B12.57.8%5.9%
COLB$7.45B16.88.4%5.7%
GGAL$7.25B11.814.3%6.5%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.1%
緩やかな成長
4四半期純利益CAGR
15.2%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
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EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $474.94M+14.8%
    |
    EPS: $0.92+31.4%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $452.05M+12.2%
    |
    EPS: $0.85+19.7%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $432.61M+8.2%
    |
    EPS: $0.59-7.8%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月28日|
    売上高: $1.62B+6.0%
    |
    EPS: $2.76+1.5%
    予想通り

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $413.64M+6.4%
    |
    EPS: $0.70-1.4%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $402.76M+6.3%
    |
    EPS: $0.71+4.4%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $399.84M+11.2%
    |
    EPS: $0.64-12.3%
    予想通り

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月29日|
    売上高: $1.53B+33.5%
    |
    EPS: $2.72-3.2%
    予想通り