UNITED BANKSHARES INC/WV
UBSI · State Commercial Banks · 137.8M shares · +7%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: -$11M (gross $1M, SBC $12M)
Reference price $41.59 · est. market cap ~$5.7B — last insider purchase, 2026-01-28 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C66Solid but unremarkable regional bank with merger-diluted equity holding ROE below the sector median.
Strengths
- Strong ROA 1.38% (80.6th pct) and high FCF (92.6th)
- Double-digit net income growth +24.6% (64th) aided by Piedmont acquisition
Risks
- ROE only 8.45% (32nd pct) — below average, diluted by acquisition-added equity
- Earnings sensitive to rates, credit (CECL) and integration of recent M&A
Key metrics
Return on equity
8.5%
Return on assets
1.4%
Net-income growth
24.6%
Debt / equity
0.1×
Free cash flow
$481M
Tangible book value
$3.5B
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-02-23 | Tatterson William Mark | Grant | 9.2K | — |
| 2026-02-23 | Tatterson William Mark | Tax withheld | 1.3K | $44.28 |
| 2026-02-23 | Tatterson William Mark | Tax withheld | 4.2K | $44.28 |
| 2026-02-23 | Gurtis Julie R | Tax withheld | 898 | $44.28 |
| 2026-02-23 | Humphrey Matthew L | Tax withheld | 1.0K | $44.28 |
| 2026-02-23 | Draber Ross M | Grant | 3.7K | — |
| 2026-02-23 | Draber Ross M | Tax withheld | 532 | $44.28 |
| 2026-02-23 | Draber Ross M | Tax withheld | 1.8K | $44.28 |
| 2026-02-23 | Williams Darren K | Grant | 4.3K | — |
| 2026-02-23 | Williams Darren K | Tax withheld | 612 | $44.28 |
| 2026-02-23 | Williams Darren K | Tax withheld | 2.0K | $44.28 |
| 2026-02-23 | Ernest Douglas Bryan | Grant | 3.8K | — |
| 2026-02-23 | Ernest Douglas Bryan | Tax withheld | 540 | $44.28 |
| 2026-02-23 | Ernest Douglas Bryan | Tax withheld | 1.8K | $44.28 |
| 2026-02-23 | ADAMS RICHARD M SR | Grant | 16K | — |
| 2026-02-23 | ADAMS RICHARD M SR | Tax withheld | 2.3K | $44.28 |
| 2026-02-23 | ADAMS RICHARD M SR | Tax withheld | 7.3K | $44.28 |
| 2026-02-23 | ADAMS RICHARD M JR | Grant | 17K | — |
| 2026-02-23 | ADAMS RICHARD M JR | Tax withheld | 2.5K | $44.28 |
| 2026-02-23 | ADAMS RICHARD M JR | Tax withheld | 7.7K | $44.28 |
| 2026-02-23 | Proctor Michael | Tax withheld | 249 | $44.28 |
| 2026-02-23 | CONSAGRA JAMES J JR | Grant | 14K | — |
| 2026-02-23 | CONSAGRA JAMES J JR | Tax withheld | 2.0K | $44.28 |
| 2026-02-23 | CONSAGRA JAMES J JR | Tax withheld | 6.3K | $44.28 |
| 2026-02-23 | KAYES HENRY M JR | Tax withheld | 413 | $44.28 |
| 2026-02-23 | Mildren Charles J. | Tax withheld | 280 | $44.28 |
| 2026-02-23 | Schultheis Anna J | Tax withheld | 218 | $44.28 |
| 2026-02-23 | Shaver Ami L | Tax withheld | 310 | $44.28 |
| 2026-02-22 | Proctor Michael | Tax withheld | 296 | $44.28 |
| 2026-02-22 | ADAMS RICHARD M JR | Tax withheld | 4.4K | $44.28 |
| 2026-02-22 | CONSAGRA JAMES J JR | Tax withheld | 2.9K | $44.28 |
| 2026-02-22 | ADAMS RICHARD M SR | Tax withheld | 3.9K | $44.28 |
| 2026-02-22 | Ernest Douglas Bryan | Tax withheld | 748 | $44.28 |
| 2026-02-22 | Williams Darren K | Tax withheld | 841 | $44.28 |
| 2026-02-22 | KAYES HENRY M JR | Tax withheld | 737 | $44.28 |
| 2026-02-22 | Tatterson William Mark | Tax withheld | 1.9K | $44.28 |
| 2026-02-22 | Mildren Charles J. | Tax withheld | 332 | $44.28 |
| 2026-02-22 | Draber Ross M | Tax withheld | 748 | $44.28 |
| 2026-02-22 | Schultheis Anna J | Tax withheld | 354 | $44.28 |
| 2026-02-22 | Humphrey Matthew L | Tax withheld | 1.1K | $44.28 |
| 2026-02-22 | Shaver Ami L | Tax withheld | 369 | $44.28 |
| 2026-02-22 | Gurtis Julie R | Tax withheld | 996 | $44.28 |
| 2026-02-20 | Mildren Charles J. | Tax withheld | 331 | $44.07 |
| 2026-02-20 | Williams Darren K | Tax withheld | 922 | $44.07 |
| 2026-02-20 | Tatterson William Mark | Tax withheld | 2.1K | $44.07 |
| 2026-02-20 | Shaver Ami L | Tax withheld | 368 | $44.07 |
| 2026-02-20 | Schultheis Anna J | Tax withheld | 353 | $44.07 |
| 2026-02-20 | Proctor Michael | Tax withheld | 295 | $44.07 |
| 2026-02-20 | KAYES HENRY M JR | Tax withheld | 919 | $44.07 |
| 2026-02-20 | Humphrey Matthew L | Tax withheld | 1.2K | $44.07 |
| 2026-02-20 | Gurtis Julie R | Tax withheld | 1.1K | $44.07 |
| 2026-02-20 | Ernest Douglas Bryan | Tax withheld | 812 | $44.07 |
| 2026-02-20 | Draber Ross M | Tax withheld | 922 | $44.07 |
| 2026-02-20 | CONSAGRA JAMES J JR | Tax withheld | 3.0K | $44.07 |
| 2026-02-20 | ADAMS RICHARD M SR | Tax withheld | 3.9K | $44.07 |
| 2026-02-20 | ADAMS RICHARD M JR | Tax withheld | 4.5K | $44.07 |
| 2026-02-19 | KAYES HENRY M JR | Grant | 5.4K | — |
| 2026-02-19 | Williams Darren K | Grant | 4.8K | — |
| 2026-02-19 | Humphrey Matthew L | Grant | 6.2K | — |
| 2026-02-19 | MCNAMARA J PAUL | Grant | 1.6K | — |
| 2026-02-19 | ADAMS RICHARD M JR | Grant | 26K | — |
| 2026-02-19 | White Gary G | Grant | 1.6K | — |
| 2026-02-19 | Capito Charles L. JR | Grant | 1.6K | — |
| 2026-02-19 | WINTER P CLINTON | Grant | 1.6K | — |
| 2026-02-19 | Weddle Mary K | Grant | 1.6K | — |
| 2026-02-19 | NESSELROAD MARK R | Grant | 1.6K | — |
| 2026-02-19 | Schultheis Anna J | Grant | 1.9K | — |
| 2026-02-19 | ADAMS RICHARD M SR | Grant | 22K | — |
| 2026-02-19 | Jackson Diana Lewis | Grant | 1.6K | — |
| 2026-02-19 | Rice Lacy I III | Grant | 1.6K | — |
| 2026-02-19 | Ernest Douglas Bryan | Grant | 4.2K | $44.07 |
| 2026-02-19 | DuMond Sara | Grant | 1.6K | — |
| 2026-02-19 | CONSAGRA JAMES J JR | Grant | 17K | — |
| 2026-02-19 | CONVERSE PETER A | Grant | 1.6K | — |
| 2026-02-19 | SMALL ALBERT H JR | Grant | 1.6K | — |
| 2026-02-19 | Harris Patrice A | Grant | 1.6K | — |
| 2026-02-19 | Gurtis Julie R | Grant | 2.3K | $44.07 |
| 2026-02-19 | Tatterson William Mark | Grant | 11K | — |
| 2026-02-19 | Mildren Charles J. | Grant | 1.8K | — |
| 2026-02-19 | Proctor Michael | Grant | 1.9K | — |
| 2026-02-19 | Shaver Ami L | Grant | 2.0K | — |
| 2026-02-19 | Draber Ross M | Grant | 6.0K | — |
| 2026-01-28 | Rice Lacy I III | Buy | 101 | $41.59 |
| 2025-12-11 | Gurtis Julie R | Tax withheld | 3.0K | $39.53 |
| 2025-12-11 | ADAMS RICHARD M SR | Option exercise | 33K | $35.04 |
| 2025-12-11 | ADAMS RICHARD M SR | Tax withheld | 31K | $39.53 |
| 2025-12-11 | ADAMS RICHARD M JR | Option exercise | 11K | $35.04 |
| 2025-12-11 | ADAMS RICHARD M JR | Tax withheld | 10K | $39.53 |
| 2025-12-11 | CONSAGRA JAMES J JR | Option exercise | 11K | $35.04 |
| 2025-12-11 | CONSAGRA JAMES J JR | Tax withheld | 10K | $39.53 |
| 2025-12-11 | Draber Ross M | Option exercise | 2.0K | $35.04 |
| 2025-12-11 | Draber Ross M | Tax withheld | 1.9K | $39.53 |
| 2025-12-11 | Ernest Douglas Bryan | Option exercise | 5.0K | $35.04 |
| 2025-12-11 | Ernest Douglas Bryan | Tax withheld | 4.7K | $39.53 |
| 2025-12-11 | Gurtis Julie R | Option exercise | 3.2K | $35.04 |
| 2025-12-11 | Mildren Charles J. | Option exercise | 3.2K | $35.04 |
| 2025-12-11 | Mildren Charles J. | Tax withheld | 3.0K | $39.53 |
| 2025-12-11 | Proctor Michael | Option exercise | 1.5K | $35.04 |
| 2025-12-11 | Proctor Michael | Tax withheld | 1.4K | $39.53 |
| 2025-12-11 | Schultheis Anna J | Option exercise | 1.4K | $35.04 |
| 2025-12-11 | Schultheis Anna J | Tax withheld | 1.3K | $39.53 |
| 2025-12-11 | Shaver Ami L | Option exercise | 2.0K | $35.04 |
| 2025-12-11 | Shaver Ami L | Tax withheld | 1.9K | $39.53 |
| 2025-12-11 | Williams Darren K | Option exercise | 5.0K | $35.04 |
| 2025-12-11 | Williams Darren K | Tax withheld | 4.7K | $39.53 |
| 2025-12-11 | Tatterson William Mark | Option exercise | 9.1K | $35.04 |
| 2025-12-11 | Tatterson William Mark | Tax withheld | 8.6K | $39.53 |
| 2025-12-09 | NESSELROAD MARK R | Gift | 1.0K | — |
| 2025-03-24 | DuMond Sara | Buy | 2.6K | $35.01 |
| 2025-02-23 | ADAMS RICHARD M JR | Tax withheld | 2.5K | $35.53 |
| 2025-02-23 | KAYES HENRY M JR | Tax withheld | 411 | $35.53 |
| 2025-02-23 | Mildren Charles J. | Tax withheld | 296 | $35.53 |
| 2025-02-23 | Proctor Michael | Tax withheld | 266 | $35.53 |
| 2025-02-23 | Schultheis Anna J | Tax withheld | 217 | $35.53 |
| 2025-02-23 | CONSAGRA JAMES J JR | Tax withheld | 2.0K | $35.53 |
| 2025-02-23 | Humphrey Matthew L | Tax withheld | 1.0K | $35.53 |
| 2025-02-23 | Shaver Ami L | Tax withheld | 308 | $35.53 |
| 2025-02-23 | Ernest Douglas Bryan | Tax withheld | 538 | $35.53 |
| 2025-02-23 | Draber Ross M | Tax withheld | 593 | $35.53 |
| 2025-02-23 | ADAMS RICHARD M SR | Tax withheld | 2.3K | $35.53 |
| 2025-02-23 | Gurtis Julie R | Tax withheld | 922 | $35.53 |
| 2025-02-23 | Tatterson William Mark | Tax withheld | 1.3K | $35.53 |
| 2025-02-23 | Williams Darren K | Tax withheld | 609 | $35.53 |
| 2025-02-22 | Humphrey Matthew L | Tax withheld | 1.1K | $35.53 |
| 2025-02-22 | Humphrey Matthew L | Tax withheld | 1.2K | $35.53 |
| 2025-02-22 | Gurtis Julie R | Tax withheld | 693 | $35.53 |
| 2025-02-22 | Gurtis Julie R | Tax withheld | 1.1K | $35.53 |
| 2025-02-22 | KAYES HENRY M JR | Tax withheld | 350 | $35.53 |
| 2025-02-22 | KAYES HENRY M JR | Tax withheld | 736 | $35.53 |
| 2025-02-22 | Ernest Douglas Bryan | Grant | 5.6K | — |
| 2025-02-22 | Ernest Douglas Bryan | Tax withheld | 586 | $35.53 |
| 2025-02-22 | Ernest Douglas Bryan | Tax withheld | 747 | $35.53 |
| 2025-02-22 | Ernest Douglas Bryan | Tax withheld | 2.8K | $35.53 |
| 2025-02-22 | Williams Darren K | Grant | 6.4K | — |
| 2025-02-22 | Williams Darren K | Tax withheld | 664 | $35.53 |
| 2025-02-22 | Williams Darren K | Tax withheld | 840 | $35.53 |
| 2025-02-22 | Williams Darren K | Tax withheld | 3.1K | $35.53 |
| 2025-02-22 | Mildren Charles J. | Tax withheld | 269 | $35.53 |
| 2025-02-22 | Mildren Charles J. | Tax withheld | 354 | $35.53 |
| 2025-02-22 | Schultheis Anna J | Tax withheld | 135 | $35.53 |
| 2025-02-22 | Schultheis Anna J | Tax withheld | 354 | $35.53 |
| 2025-02-22 | Shaver Ami L | Tax withheld | 257 | $35.53 |
| 2025-02-22 | Shaver Ami L | Tax withheld | 368 | $35.53 |
| 2025-02-22 | Tatterson William Mark | Grant | 9.9K | — |
| 2025-02-22 | Tatterson William Mark | Tax withheld | 1.0K | $35.53 |
| 2025-02-22 | Tatterson William Mark | Tax withheld | 1.9K | $35.53 |
| 2025-02-22 | Tatterson William Mark | Tax withheld | 4.7K | $35.53 |
| 2025-02-22 | Proctor Michael | Tax withheld | 181 | $35.53 |
| 2025-02-22 | CONSAGRA JAMES J JR | Grant | 12K | — |
| 2025-02-22 | CONSAGRA JAMES J JR | Tax withheld | 1.2K | $35.53 |
| 2025-02-22 | CONSAGRA JAMES J JR | Tax withheld | 2.8K | $35.53 |
| 2025-02-22 | CONSAGRA JAMES J JR | Tax withheld | 5.4K | $35.53 |
| 2025-02-22 | ADAMS RICHARD M JR | Grant | 12K | — |
| 2025-02-22 | ADAMS RICHARD M JR | Tax withheld | 1.2K | $35.53 |
| 2025-02-22 | ADAMS RICHARD M JR | Tax withheld | 4.4K | $35.53 |
| 2025-02-22 | ADAMS RICHARD M JR | Tax withheld | 5.4K | $35.53 |
| 2025-02-22 | Draber Ross M | Tax withheld | 835 | $35.53 |
| 2025-02-22 | Draber Ross M | Tax withheld | 839 | $35.53 |
| 2025-02-22 | ADAMS RICHARD M SR | Grant | 30K | — |
| 2025-02-22 | ADAMS RICHARD M SR | Tax withheld | 3.1K | $35.53 |
| 2025-02-22 | ADAMS RICHARD M SR | Tax withheld | 3.9K | $35.53 |
| 2025-02-22 | ADAMS RICHARD M SR | Tax withheld | 14K | $35.53 |
| 2025-02-22 | Proctor Michael | Tax withheld | 317 | $35.53 |
| 2025-02-20 | Humphrey Matthew L | Grant | 7.2K | — |
| 2025-02-20 | Gurtis Julie R | Grant | 7.5K | — |
| 2025-02-20 | Williams Darren K | Grant | 5.5K | — |
| 2025-02-20 | Tatterson William Mark | Grant | 12K | — |
| 2025-02-20 | Ernest Douglas Bryan | Grant | 4.8K | — |
| 2025-02-20 | Draber Ross M | Grant | 5.5K | — |
| 2025-02-20 | CONSAGRA JAMES J JR | Grant | 20K | — |
| 2025-02-20 | ADAMS RICHARD M SR | Grant | 25K | — |
| 2025-02-20 | ADAMS RICHARD M JR | Grant | 30K | — |
| 2025-02-20 | MCNAMARA J PAUL | Grant | 1.9K | — |
| 2025-02-20 | Schultheis Anna J | Grant | 2.2K | — |
| 2025-02-20 | Mildren Charles J. | Grant | 2.2K | — |
| 2025-02-20 | Proctor Michael | Grant | 2.2K | — |
| 2025-02-20 | Shaver Ami L | Grant | 2.2K | — |
| 2025-02-20 | KAYES HENRY M JR | Grant | 5.4K | — |
| 2025-02-20 | Rice Lacy I III | Grant | 1.9K | — |
| 2025-02-20 | NESSELROAD MARK R | Grant | 1.9K | — |
| 2025-02-20 | Jackson Diana Lewis | Grant | 1.9K | — |
| 2025-02-20 | Harris Patrice A | Grant | 1.9K | — |
| 2025-02-20 | DuMond Sara | Grant | 1.9K | — |
| 2025-02-20 | CONVERSE PETER A | Grant | 1.9K | — |
| 2025-02-20 | Capito Charles L. JR | Grant | 1.9K | — |
| 2025-02-20 | WINTER P CLINTON | Grant | 1.9K | — |
| 2025-02-20 | White Gary G | Grant | 1.9K | — |
| 2025-02-20 | Weddle Mary K | Grant | 1.9K | — |
| 2025-02-20 | SMALL ALBERT H JR | Grant | 1.9K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-18 | Shareholder vote | filing ↗ |
| 2026-04-23 | ResultsExhibits | filing ↗ |
| 2026-01-22 | ResultsExhibits | filing ↗ |
| 2025-11-21 | Other | filing ↗ |
| 2025-10-23 | ResultsExhibits | filing ↗ |
| 2025-08-04 | Exec/director changeExhibits | filing ↗ |
| 2025-07-24 | ResultsExhibits | filing ↗ |
| 2025-05-19 | Exec/director changeShareholder voteExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-18 | 2026-05-13 | 0001193125-26-228386 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001193125-26-213783 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001193125-26-171886 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0001193125-26-081470 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0001193125-26-018696 ↗ |
| 8-K | 2025-11-21 | 2025-11-20 | 0001193125-25-290882 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001193125-25-271463 ↗ |
| 8-K | 2025-10-23 | 2025-10-23 | 0001193125-25-247719 ↗ |
| 10-Q | 2025-08-08 | 2025-06-30 | 0001193125-25-176529 ↗ |
| 8-K | 2025-08-04 | 2025-07-29 | 0001193125-25-172645 ↗ |
| 8-K | 2025-07-24 | 2025-07-24 | 0001193125-25-163847 ↗ |
| 8-K | 2025-05-19 | 2025-05-14 | 0001193125-25-122274 ↗ |