UNITED BANKSHARES INC/WV UBSI
Nasdaq · XNAS · stock · State Commercial Banks
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
45.0%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $464.6M | — | $481.2M | $5.5B |
| 2024 | — | $373.0M | — | $433.3M | $5.0B |
| 2023 | — | $366.3M | — | $423.6M | $4.8B |
| 2022 | $312.0M | $379.6M | — | $744.0M | $4.5B |
| 2021 | $331.0M | $367.7M | — | $594.2M | $4.7B |
| 2020 | $263.2M | $289.0M | — | $121.4M | $4.3B |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Draber Ross M | Executive Vice President | 2026-02-23 | Grant | 3,700 | — |
| Draber Ross M | Executive Vice President | 2026-02-23 | Tax withheld | 532 | $44.28 |
| Tatterson William Mark | Executive Vice President | 2026-02-23 | Tax withheld | 4,198 | $44.28 |
| Tatterson William Mark | Executive Vice President | 2026-02-23 | Grant | 9,250 | — |
| Gurtis Julie R | Executive Vice President | 2026-02-23 | Tax withheld | 898 | $44.28 |
| Tatterson William Mark | Executive Vice President | 2026-02-23 | Tax withheld | 1,329 | $44.28 |
| Humphrey Matthew L | Executive Vice President | 2026-02-23 | Tax withheld | 1,018 | $44.28 |
| Draber Ross M | Executive Vice President | 2026-02-23 | Tax withheld | 1,800 | $44.28 |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000729986 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.