UBSIUNITED BANKSHARES INC/WV
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$1.1B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear107% of net incomeCash flow under 80% of net income
- Dilutive SBCClear4% of revenueOver 10% of revenue
- Payouts exceed cash flowClear67% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear6% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $331M | $312M | — | — | — | |
| Net income | $368M | $380M | $366M | $373M | $465M | 25% |
| Operating cash flow | $610M | $761M | $435M | $445M | $499M | 12% |
| Capex | $15M | $17M | $12M | $12M | $18M | 46% |
| Stock-based comp | $8M | $10M | $12M | $12M | $13M | 7.9% |
| Buybacks | $11M | $79M | $1M | $1M | $127M | 12110% |
| Dividends | $181M | $193M | $195M | $201M | $209M | 4.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $149K · 1
- Net
- −$149K
Pay vs performance
No pay-versus-performance disclosure yet.