48.80
+1.20%
Close of 9 Nov 2026, in USD
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About United Bankshares
From its filings with the US Securities and Exchange Commission
United Bankshares is based in Charleston, West Virginia and is incorporated in West Virginia. Its shares trade on Nasdaq under the ticker UBSI. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2022, it reported revenue of $312.0m.
United Bankshares, Inc. (“United,” “we,” “us,” “our,” or the “Company”) is a West Virginia corporation registered as a financial holding company pursuant to the Bank Holding Company Act of 1956, as amended. United was incorporated on March 26, 1982, organized on September 9, 1982, and began conducting business on May 1, 1984 with the acquisition of three wholly-owned subsidiaries. Since its formation in 1982, United has acquired thirty-three banking institutions. United has one banking subsidiary “doing business” under the name of United Bank, operating under the laws of Virginia. United Bank offers a full range of commercial and retail banking services and products. United also owns nonbank subsidiaries which engage in other community banking services such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services.
As a financial holding company, United’s present business is community banking. As of December 31, 2025, United’s consolidated assets approximated $33.7 billion and total shareholders’ equity approximated $5.5 billion.
United is permitted to acquire other banks and bank holding companies, as well as thrift institutions. United is also permitted to engage in certain non-banking activities which are closely related to banking under the provisions of the Bank Holding Company Act and the Federal Reserve Board’s Regulation Y.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 16 Sept 1970
- Employees
- 2,694
- Website
- ubsi-inc.com ↗
- Head office
- 300 UNITED CTR, CHARLESTON, WV, 25301
- Incorporated in
- WV
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Richard AdamsExecutive Chairman of the Board, since 1984$5.1m
- Mr. James ConsagraPresident, Chief Executive Officer of United Bank$4.0m
- Mr. Richard AdamsChief Executive Officer, Director, since 2000$5.5m
- Mr. W. Mark TattersonChief Financial Officer, Executive Vice President, Treasurer$2.5m
- Mr. Ross DraberChief Operating Officer, Executive Vice President
- Ms. Ami ShaverExecutive Vice President, Chief Human Resources Officer
- Mr. Darren WilliamsChief Risk and Information Officer, Executive Vice President$1.5m
- Ms. Anna SchultheisExecutive Vice President, Corporate Secretary
- Mr. Douglas ErnestExecutive Vice President, Chief Credit Officer
- Ms. Julie GurtisExecutive Vice President, President of United Bank
- Mr. Matthew HumphreyExecutive Vice President, Head - Wealth Management, Chief Executive Officer and President of United Brokerage Services, Inc.
- Mr. Henry KayesExecutive Vice President, Chief Banking Officer - United
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 35
- Environment
- 3
- Social
- 44
- Governance
- 58
- Direct emissions (scope 1)
- 2,838 t
- Energy emissions (scope 2)
- 10,123 t
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong financial performance: United Bankshares Inc has consistently demonstrated a strong financial performance, showcasing stability and profitability in its operations over the years.
- Extensive branch network: The company boasts a widespread branch network, allowing for greater accessibility and convenience for its customers.
- High customer satisfaction: United Bankshares Inc has earned a positive reputation for its excellent customer service, leading to high levels of customer satisfaction and loyalty.
Weaknesses
- Limited international presence: The bank's operations are primarily focused on the domestic market, which may limit its growth potential compared to competitors with a global reach.
- Reliance on traditional banking: United Bankshares Inc heavily relies on traditional banking products and services, which could make it vulnerable to changes in customer preferences towards digital or online banking.
- Lack of product diversification: The bank may face challenges in attracting customers looking for a broader range of financial products and services that are not currently offered.
Opportunities
- Expansion through strategic acquisitions: United Bankshares Inc can capitalize on growth opportunities by acquiring smaller regional banks, increasing its market share and expanding its customer base.
- Growing demand for digital banking solutions: The bank can invest in developing and promoting its digital banking platforms to meet the evolving needs of customers and retain a competitive edge.
- Emerging international markets: Exploring entry into emerging markets can enable United Bankshares Inc to diversify its revenue streams and potentially achieve higher growth rates.
Threats
- Intense competition: United Bankshares Inc operates in a highly competitive industry with both traditional banks and fintech startups constantly vying for market share, which could affect its profitability.
- Economic downturns: A potential economic recession or financial crisis could adversely impact the bank's loan portfolio, profitability, and overall business performance.
- Regulatory challenges: The bank operates in a heavily regulated environment, making it susceptible to changes in regulations, compliance costs, and potential legal risks.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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