UBSINasdaqState Commercial BanksUS GAAP · USD

United Bankshares, Inc

United Bankshares, Inc. is a West Virginia-based financial holding company centered on community banking through its banking subsidiary, United Bank. Its businesses include commercial and retail banking, mortgage banking, trust and wealth services, brokerage, asset management, title insurance, and related community banking services across the United States.

Kysy yhtiöstä
Nettotulos465milj. USD
+24,6 %v/v
Vapaa kassavirta481milj. USD
+11,0 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

0100200300400milj. USD2020: 263 milj. USD20202021: 331 milj. USD20212022: 312 milj. USD2022202320242025
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: United Bankshares, Inc

Liiketoiminta

Osuus liikevaihdosta
Community banking65 %

Core deposit-taking, lending, cash management, and branch-based banking services.

Mortgage banking10 %

Mortgage origination, servicing, and related residential lending activities.

Trust and wealth management10 %

Fiduciary, investment, and financial planning services for individuals and institutions.

Brokerage and asset management8 %

Broker-dealer and registered investment advisory services offered through subsidiaries.

Title insurance and other financial services7 %

Real property title insurance and other community banking-related services.

Asiakkaat

United serves consumers, small businesses, commercial borrowers, and local institutions that need traditional banking products and relationship-based service. It also serves wealth, trust, and brokerage clients seeking investment, fiduciary, and financial planning support. The company’s lending and deposit base is tied to community banking markets where service quality, responsiveness, and product breadth matter.

Consumer banking customers

Individuals who use deposit accounts, cards, digital banking, and personal loans.

Commercial and small business customers

Businesses that buy operating deposits, cash management, and commercial credit.

Mortgage borrowers

Homebuyers and refinancers using mortgage origination and related services.

Wealth, trust, and brokerage clients

Customers seeking fiduciary, investment, planning, and asset management services.

Institutional and correspondent banking clients

Banks and institutions using federal funds and related correspondent services.

Strategia

United’s strategy is built around relationship banking: gathering low-cost deposits, originating loans, and cross-selling trust, brokerage, mortgage, and digital banking services. It also uses acquisitions and product breadth to deepen its presence in community banking markets and broaden customer relationships. Digital channels and integrated service offerings help it compete against larger banks and nonbank financial providers.

Deepen community banking relationshipsLyhyt aikaväli

Deposits and loans are relationship-driven, so retention and cross-sell support franchise value.

Cross-sell fee-based financial servicesKeskipitkä aikaväli

Trust, brokerage, and asset management services diversify customer relationships beyond spread income.

Integrate acquired banking businessesKeskipitkä aikaväli

Acquisitions expand market presence and customer base while increasing operating scale.

Strengthen digital deliveryKeskipitkä aikaväli

Digital banking improves customer convenience and helps defend against fintech and larger-bank competition.

Maantiede

United is headquartered in West Virginia and operates primarily through United Bank across multiple U.S. markets, with its business described as community banking. The company’s operating footprint is concentrated in the United States, and its ATM and banking relationships extend into broader domestic networks. Geography matters because local deposit gathering, lending relationships, and credit quality are tied to the economic conditions of the communities it serves.

Riskit

United faces the typical risks of a regional bank: credit losses, interest-rate sensitivity, deposit competition, and regulatory oversight. Its reliance on third-party vendors and digital channels also creates cybersecurity, operational, and fraud exposure, while local economic weakness can pressure borrowers and collateral values. Competition from larger banks, credit unions, and fintech providers can compress pricing and reduce market share.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit deterioration in loan portfolios1Interest rate and liquidity risk2Cybersecurity and third-party vendor risk3Regulatory and compliance risk4Competitive pressure from banks and nonbanks5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit deterioration in loan portfoliosVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Community banking depends on borrower repayment and collateral values, which weaken in downturns.

    KohdistuuCommercialConsumerReal estateConstruction lending
  2. Interest rate and liquidity riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Bank earnings depend on funding costs, deposit behavior, and asset-liability management.

    KohdistuuDepositsLoan repricingSecurities portfolios
  3. Cybersecurity and third-party vendor riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Digital banking and outsourced services create exposure to breaches, outages, and data loss.

    KohdistuuOnline bankingCard transactionsService providers
  4. Regulatory and compliance riskVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    As a financial holding company and bank, United is subject to extensive supervision and capital rules.

    KohdistuuCapitalLendingConsumer complianceReporting
  5. Competitive pressure from banks and nonbanksVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Aggressive pricing and broader product offerings can reduce deposit share and loan growth.

    KohdistuuDepositsLoansTrustBrokerageMortgage services
Kysy Clarifolta: United Bankshares, Inc

Kirjanpito

Harkinnanvaraiset erät
Allowance for loan and lease losses / credit reserves

Management estimates expected losses, which directly affects provision expense and earnings.

Vaikutus: Credit quality changes can materially move reported income and capital

Fair value measurements

Certain securities and financial instruments require valuation inputs and assumptions.

Vaikutus: Market moves can affect other comprehensive income and earnings

Income tax provision

Tax expense depends on estimates, timing differences, and tax planning outcomes.

Vaikutus: Can cause variability in effective tax rate and net income

Acquisition accounting and purchased loans

Business combinations require fair-value marks and purchase accounting adjustments.

Vaikutus: Can affect interest income recognition, credit marks, and amortization

Goodwill and intangible assets

Acquired franchises may carry goodwill and core deposit intangibles that need testing.

Vaikutus: Impairment charges could reduce earnings and equity

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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Päivitetty: 24.9.2026