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

$5.45B

PER (TTM)

11.8

14.2

配当利回り

3.8%

52週高値

$45.93

52週安値

$30.51

52週レンジ

56%

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

$126.96M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Growth Strong Net income surged 24.56% to $464.60M in 2025, driven by acquisition integration and strong core banking performance across the expanded footprint.

NIM Expansion Noted Tax-equivalent NIM improved 29 basis points to 3.78% in 2025, resulting from higher earning asset yields and lower funding costs compared to 2024.

Balance Sheet Scale Increased Total assets grew 12.11% to $33.66B by year-end 2025, primarily reflecting the full-year inclusion of the Piedmont Bancorp acquisition assets.

Capital Ratios Remain Robust CET1 ratio stood strong at 13.44% as of December 31, 2025, significantly exceeding regulatory minimums, supporting growth initiatives.

リスク要因

Credit Quality Deterioration Nonperforming loans increased 38.24% to $101.47M in 2025; coverage ratio declined to 308.33% despite higher provisioning.

Increased Provisioning Required Provision for credit losses rose sharply to $53.87M in 2025, largely due to $18.73M provision recorded for acquired Piedmont non-PCD loans.

Interest Rate Risk Exposure Management monitors interest rate risk closely; earnings sensitivity analysis shows projected NIM changes under various rate shock scenarios.

Cybersecurity Threat Level Systems remain under constant threat from sophisticated cyber-attacks, requiring continuous investment in security controls and monitoring processes.

見通し

Piedmont Integration Focus Management expects streamlined operations and enhanced customer experience following the consolidation of mortgage channels and Piedmont integration in 2025.

Credit Quality Monitoring Management continues rigorous review of loan portfolio quality, especially commercial real estate, adjusting reserves based on economic forecasts.

Regulatory Compliance Costs Ongoing regulatory scrutiny, including cybersecurity standards and capital rule updates, will likely increase compliance costs and administrative burden.

Capital Deployment Strategy Ability to pay dividends remains subject to Federal Reserve approval, contingent on bank subsidiary retained earnings and capital levels.

同業比較

売上高 (TTM)

GGAL

$10.83B

+20.2%

AVAL

$8.75B

-3.5%

VLY

$3.49B

-2.2%

粗利益率 (最新四半期)

FFIN

76.2%

+2.4pp

COLB

75.6%

+12.4pp

HWC

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
GGAL	$6.75B	53.7	2.9%	5.6%
VLY	$6.55B	11.0	7.8%	5.3%
COLB	$6.24B	14.1	8.4%	6.0%

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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月22日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし