United Bankshares, Inc. Financial Ratios — UBSI Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.58	8.42	8.41	9.61	8.18	7.44	5.5	7.9	7.86	7.54	8.16	8.22	7.89	7.64	8.86
Return on Assets (%)	0.97	0.98	1	1.23	1.11	1.09	0.9	1.34	1.34	1.26	1.32	1.29	1.23	1.24	1.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.36	2.85	3.49	0.35	0.16	-1.77	-3.18	-2.96	-2.82	-1.6	0.79	2.28	2.21	1.01	-1.06
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.55	35.6	37.32	43.67	44.6	45.11	41.96	45.93	44.68	34.95	45.97	45.75	44.28	45.12	47.23
Profit Margin (%)	24.35	24.21	25.56	29.1	30.24	29.8	22.18	35.99	35.82	28.08	36.52	36.5	34.97	36.23	37.62
Net Income to Common Margin (%)	24.35	24.19	25.52	29.05	30.18	29.74	22.18	35.99	35.82	28.08	36.52	36.5	34.97	36.23	37.62
Effective Tax Rate (%)	31.5	32	31.52	33.35	32.2	33.94	47.13	21.65	19.83	19.66	20.55	20.21	21.02	19.71	20.36
Dvd Payout Ratio (%)	71.87	75.43	72.87	63.45	64.35	65.45	80.59	55.53	53.42	56.3	49.3	50.85	53.16	53.81	44.99
Sustainable Growth Rate (%)	2.41	2.07	2.28	3.51	2.91	2.57	1.07	3.51	3.66	3.3	4.14	4.04	3.7	3.53	4.87

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	345	385	791	1,053	1,074	1,122	1,514	1,674	2,149	938	904	2,273	1,882	627	627
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	345	385	791	1,053	1,074	1,122	1,514	1,674	2,149	938	904	2,273	1,882	627	627
Total Debt/EBITDA	47.05	39.59	67.7	668.98	1,440.2	-128.67	-70.2	-79.49	-105.14	-57.04	114.28	96.05	81.45	60.33	-48.06
Net Debt/EBITDA	-39.46	-4.74	32.09	191	291.92	35.75	7.02	-31.08	-61.21	81.76	-371.62	43.18	8.28	-168.39	153.94
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.46	11.78	11.93	13.43	13.62	15.41	17	16.89	17.11	16.41	16.09	15.31	15.94	16.63	16.33
Long-Term Debt/Equity (%)	35.65	38.79	75.9	63.58	62.73	50.19	46.72	51.49	63.9	21.82	19.16	50.34	39.44	12.56	11.41
Long-Term Debt/Capital (%)	26.28	27.95	43.15	38.87	38.55	33.42	31.84	33.99	38.99	17.91	16.08	33.48	28.29	11.16	10.24
Long-Term Debt/Total Assets (%)	4.09	4.57	9.05	8.54	8.54	7.73	7.94	8.7	10.93	3.58	3.08	7.71	6.29	2.09	1.86
Total Debt/Equity (%)	35.65	38.79	75.9	63.58	62.73	50.19	46.72	51.49	63.9	21.82	19.16	50.34	39.44	12.56	11.41
Total Debt/Capital (%)	26.28	27.95	43.15	38.87	38.55	33.42	31.84	33.99	38.99	17.91	16.08	33.48	28.29	11.16	10.24
Total Debt/Total Assets (%)	4.09	4.57	9.05	8.54	8.54	7.73	7.94	8.7	10.93	3.58	3.08	7.71	6.29	2.09	1.86
Net Debt to Equity	-29.89	-4.65	35.98	18.15	12.72	-13.95	-4.67	20.13	37.2	-31.27	-62.3	22.63	4.01	-35.06	-36.56
Net Debt/Capital (%)	-42.64	-4.88	26.46	15.36	11.28	-16.2	-4.9	16.76	26.76	-44.4	-157.59	18.21	3.78	-52.58	-56.08
EBITDA	7	10	12	2	1	-9	-22	-21	-20	-16	8	24	23	10	-13
EBITDA-CapEx	-1	5	6	-7	-5	-16	-36	-27	-32	-35	-7	7	11	-2	-31
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.46	11.78	11.93	13.43	13.62	15.41	17	16.89	17.11	16.41	16.09	15.31	15.94	16.63	16.33
Long-Term Debt/Equity (%)	35.65	38.79	75.9	63.58	62.73	50.19	46.72	51.49	63.9	21.82	19.16	50.34	39.44	12.56	11.41
Long-Term Debt/Capital (%)	26.28	27.95	43.15	38.87	38.55	33.42	31.84	33.99	38.99	17.91	16.08	33.48	28.29	11.16	10.24
Long-Term Debt/Total Assets (%)	4.09	4.57	9.05	8.54	8.54	7.73	7.94	8.7	10.93	3.58	3.08	7.71	6.29	2.09	1.86
Total Debt/Equity (%)	35.65	38.79	75.9	63.58	62.73	50.19	46.72	51.49	63.9	21.82	19.16	50.34	39.44	12.56	11.41
Total Debt/Capital (%)	26.28	27.95	43.15	38.87	38.55	33.42	31.84	33.99	38.99	17.91	16.08	33.48	28.29	11.16	10.24
Total Debt/Total Assets (%)	4.09	4.57	9.05	8.54	8.54	7.73	7.94	8.7	10.93	3.58	3.08	7.71	6.29	2.09	1.86
CFO/Total Liabilities	1.58	1.74	1.85	1.43	1.61	1.39	1.61	1.84	0.93	0.64	2.48	3.05	1.73	1.78	1.77
CFO/CapEx	14.79	24.86	23.72	17.19	33.23	23.48	17.69	50.91	13.71	7.38	39.63	45.12	37.24	36.73	28.16
Altman's Z-Score	0.27	0.27	0.29	0.28	0.28	0.31	0.25	0.24	0.27	0.23	0.23	0.25	0.25	0.25	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.41	12.93	12.65	15.13	13.39	13.13	14.72	12.56	12.24	16.48	15.33	13.05	10.15	9.63	11.67
Days Sales Outstanding	29.4	28.22	28.85	24.13	27.25	27.8	24.79	29.06	29.83	22.15	23.81	27.97	35.95	37.9	31.27
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	1,420	1,224	1,586	2,595	2,575	3,748	3,650	3,183	3,926	4,186	4,948	5,456	5,067	5,082	5,371
- Cash & Cash Equivalents	635	431	416	752	857	1,434	1,665	1,020	837	2,208	3,757	1,176	1,598	2,291	2,541
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	345	385	791	1,053	1,074	1,122	1,514	1,674	2,149	938	904	2,273	1,882	627	627
Enterprise Value	433	552	1,186	1,715	1,726	2,177	1,610	1,501	2,801	-38	-1,948	2,012	1,565	459	3,160
Total Capital	1,314	1,377	1,832	2,709	2,787	3,358	4,755	4,926	5,513	5,235	5,623	6,790	6,653	5,620	6,123
Total Debt/Capital (%)	26.28	27.95	43.15	38.87	38.55	33.42	31.84	33.99	38.99	17.91	16.08	33.48	28.29	11.16	10.24
Total Debt / EV	0.8	0.7	0.67	0.61	0.62	0.52	0.94	1.12	0.77	-24.47	-0.46	1.13	1.2	1.37	0.2
EV/Sales	1.4	1.62	3.54	3.84	3.78	4.41	2.37	2.11	3.86	- -	- -	1.93	1.49	0.45	2.56
EV/EBITDA	59.04	56.77	101.51	1,089.82	2,313.75	- -	- -	- -	- -	- -	- -	84.99	67.74	44.13	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.66	4.26	8.34	11.24	9.87	12.75	6.34	5.1	18.43	- -	- -	2.64	3.6	1.03	6.33
EV/Free Cash Flow to Firm	3.42	4.1	8	10.63	9.58	12.23	6	5.01	17.18	- -	- -	2.59	3.5	1	6.12
Diluted Market Cap	1,324	1,224	1,586	2,533	2,575	3,418	3,402	3,245	3,938	3,891	4,699	5,471	5,060	5,078	5,446
Diluted Enterprise Value	1,034	1,178	1,961	2,834	2,793	3,106	3,250	3,899	5,250	2,620	1,846	6,569	5,344	3,414	3,532
EV per Share	8.63	10.98	23.51	24.75	24.8	26.86	15.33	14.67	27.59	- -	- -	14.93	11.6	3.39	22.59
TTM Sales	311	341	335	446	456	494	679	712	726	1,029	1,007	1,040	1,047	1,030	1,235
TTM EBITDA	7	10	12	2	1	-9	-22	-21	-20	-16	8	24	23	10	-13
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	119	129	142	153	175	171	254	294	152	140	610	761	435	445	499
TTM Free Cash Flow to Firm	127	135	148	161	180	178	268	300	163	159	625	778	447	458	517

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	10.46	9.09	10.7	15.69	14.3	19.2	12.68	10.82	24.15	24.4	7.52	7.03	11.32	11.1	10.54
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	433	552	1,186	1,715	1,726	2,177	1,610	1,501	2,801	-38	-1,948	2,012	1,565	459	3,160
Low Price	18.78	22.54	24.46	28.19	33.25	32.22	31.7	29.13	30.67	19.67	31.57	33.11	25.35	30.68	30.51
EV/Sales	1.4	1.62	3.54	3.84	3.78	4.41	2.37	2.11	3.86	- -	- -	1.93	1.49	0.45	2.56
EV/EBITDA	59.04	56.77	101.51	1,089.82	2,313.75	- -	- -	- -	- -	- -	- -	84.99	67.74	44.13	- -
Price/Earnings	17.5	14.82	18.52	19.47	18.62	23.16	22.5	12.62	15.1	13.45	12.75	14.37	13.79	13.59	11.69
Price/Earnings Average	15.44	15.84	16.33	16.52	19.34	19.24	25.08	14.57	14.58	11.67	12.98	13.25	12.17	13.06	11.14
Price/Earnings High	19.09	18.83	19.27	19.75	21.87	24.71	30.63	16.21	15.9	16.22	14.94	15.67	15.59	16.07	12.34
Price/Earnings Low	11.63	13.73	14.41	14.65	16.74	16.14	20.53	11.82	11.98	8.17	11.1	11.75	9.31	11.1	9.29
Price/Book Value	1.47	1.23	1.52	1.57	1.5	1.68	1.13	0.98	1.17	0.97	1.05	1.21	1.06	1.02	0.98
Price/Book Value Average	1.29	1.32	1.34	1.33	1.56	1.39	1.26	1.13	1.13	0.85	1.07	1.11	0.94	0.98	0.93
Price/Book Value High	1.6	1.57	1.58	1.59	1.77	1.79	1.53	1.26	1.23	1.17	1.23	1.32	1.2	1.2	1.03
Price/Book Value Low	0.97	1.14	1.18	1.18	1.35	1.17	1.03	0.92	0.93	0.59	0.91	0.99	0.72	0.83	0.78
Price/Tangible Book Value	2.39	1.98	2.38	2.74	2.57	2.73	2.07	1.79	2.08	1.69	1.76	2.09	1.76	1.64	1.54
Price/Tangible Book Value Average	2.11	2.12	2.1	2.33	2.67	2.27	2.31	2.07	2.01	1.46	1.79	1.93	1.55	1.57	1.47
Price/Tangible Book Value High	2.61	2.52	2.48	2.78	3.02	2.92	2.82	2.3	2.19	2.04	2.06	2.28	1.99	1.94	1.63
Price/Tangible Book Value Low	1.59	1.84	1.85	2.06	2.31	1.9	1.89	1.68	1.65	1.02	1.53	1.71	1.19	1.34	1.23
Price/Sales	4.26	3.59	4.73	5.66	5.62	6.89	4.99	4.54	5.41	3.78	4.66	5.25	4.82	4.92	4.4
Price/Sales Average	3.76	3.83	4.17	4.8	5.84	5.72	5.56	5.24	5.22	3.28	4.74	4.84	4.25	4.73	4.19
Price/Sales High	4.65	4.55	4.92	5.74	6.6	7.35	6.79	5.83	5.69	4.56	5.46	5.72	5.45	5.82	4.64
Price/Sales Low	2.83	3.32	3.68	4.26	5.05	4.8	4.55	4.25	4.29	2.29	4.05	4.29	3.26	4.02	3.5
Price/Cash Flow	11.16	9.45	11.14	16.55	14.66	19.92	13.34	11.01	25.84	27.69	7.69	7.17	11.6	11.38	10.89
Price/Cash Flow Average	9.84	10.1	9.82	14.04	15.23	16.54	14.87	12.71	24.95	24.02	7.83	6.61	10.24	10.93	10.37
Price/Cash Flow High	12.17	12	11.58	16.79	17.22	21.25	18.16	14.13	27.21	33.39	9.01	7.82	13.12	13.46	11.49
Price/Cash Flow Low	7.41	8.75	8.66	12.45	13.18	13.88	12.17	10.3	20.5	16.81	6.7	5.87	7.83	9.29	8.65
Price/Free Cash Flow Average	9.23	9.71	9.43	13.32	14.85	15.95	14.13	12.49	23.31	21.17	7.65	6.48	9.99	10.67	10.04
Price/Free Cash Flow High	11.41	11.55	11.13	15.92	16.78	20.49	17.26	13.9	25.42	29.42	8.81	7.67	12.8	13.13	11.12
Price/Free Cash Flow Low	6.95	8.42	8.32	11.81	12.85	13.38	11.57	10.13	19.16	14.81	6.54	5.75	7.64	9.07	8.38
EV/Sales Average	3.1	3.7	5.29	5.61	6.34	5.67	5.77	6.08	7.03	2.29	2.17	5.89	4.54	3.13	2.59
EV/Sales High	4.05	4.42	6.04	6.57	7.1	7.47	7.1	6.66	7.5	3.67	2.92	6.78	5.74	4.22	3.04
EV/Sales Low	2.1	3.19	4.8	5.05	5.55	4.66	4.68	5.1	6.1	1.23	1.44	5.35	3.54	2.42	1.91
EV/EBITDA Average	131.15	129.71	151.8	1,590.33	3,875.95	-321.23	-181.61	-205.57	-249.62	-143.65	276.04	258.81	205.82	309.81	-245.42
EV/EBITDA High	171.52	155.09	173.33	1,863.96	4,344.02	-422.88	-223.35	-225.17	-266.41	-229.78	372.08	297.71	260.23	418.4	-287.66
EV/EBITDA Low	89.02	111.81	137.71	1,432.07	3,394.2	-263.68	-147.37	-172.6	-216.58	-77.3	183.64	234.86	160.36	239.39	-180.37
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	28.27	24.34	31.45	37.45	36.99	46.25	34.75	31.11	38.66	32.4	36.28	40.49	37.55	37.55	38.4
High Price	30.84	30.91	32.71	38	43.43	49.35	47.3	39.95	40.7	39.07	42.5	44.15	42.45	44.43	40.52
Enterprise Value Average	963	1,261	1,773	2,503	2,891	2,801	3,917	4,330	5,103	2,361	2,184	6,126	4,756	3,221	3,203
Enterprise Value High	1,259	1,508	2,024	2,934	3,241	3,688	4,817	4,742	5,446	3,777	2,944	7,047	6,013	4,350	3,754
Enterprise Value Low	653	1,087	1,608	2,254	2,532	2,299	3,178	3,635	4,427	1,270	1,453	5,559	3,705	2,489	2,354

Shares Outstanding	50	50	50	69	70	81	105	102	102	129	136	135	135	135	140
Diluted Weighted Avg Shares	47	50	50	68	70	74	98	104	102	120	130	135	135	135	142
Basic Weighted Avg Shares	47	50	50	67	69	74	98	104	102	120	129	135	135	135	141
Revenue per Share	6.63	6.79	6.65	6.62	6.58	6.71	6.96	6.85	7.15	8.58	7.79	7.72	7.79	7.63	8.73
EBITDA per Share	0.16	0.19	0.23	0.02	0.01	-0.12	-0.22	-0.2	-0.2	-0.14	0.06	0.18	0.17	0.08	-0.09
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.62	1.64	1.7	1.92	1.99	2	1.54	2.46	2.56	2.41	2.84	2.82	2.72	2.76	3.28
Basic EPS from Cont Ops	1.62	1.64	1.7	1.93	1.99	2	1.54	2.46	2.56	2.41	2.84	2.82	2.72	2.76	3.28
Diluted EPS, GAAP	1.61	1.64	1.7	1.92	1.98	1.99	1.54	2.46	2.55	2.41	2.84	2.81	2.72	2.76	3.28
Diluted EPS from Cont Ops	1.61	1.64	1.7	1.92	1.98	1.99	1.54	2.46	2.55	2.41	2.84	2.81	2.72	2.76	3.28
Dividend per Share	1.16	1.24	1.24	1.22	1.28	1.31	1.24	1.37	1.37	1.36	1.4	1.43	1.45	1.49	1.48
Cash Flow per Share	2.53	2.58	2.82	2.26	2.52	2.32	2.6	2.83	1.5	1.17	4.72	5.65	3.24	3.3	3.53
Free Cash Flow per Basic Share	2.36	2.47	2.7	2.13	2.45	2.22	2.46	2.77	1.39	1.01	4.6	5.52	3.15	3.21	3.4
Cash & Equivalents per Share	26.52	21.02	23.62	27.89	27.63	33.23	33.84	32.8	32.24	39.95	57.19	42.43	39.9	38.79	20.3
Book Value per Share	19.29	19.74	20.66	23.9	24.61	27.59	30.85	31.78	33.12	33.27	34.6	33.52	35.36	36.89	39.29
Tangible Book Value per Share	11.81	12.27	13.21	13.66	14.4	16.93	16.78	17.33	18.57	19.2	20.59	19.34	21.33	22.94	24.86

United Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)