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Profile - United Bankshares, Inc. (NasdaqNM:UBSI)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials | Reports
Recent Events
Aug 23Price hit new 52-week high ($28.33)
Upcoming Events
Oct  1Dividend payment of $0.23
Location
300 United Center
500 Virginia Street, East
Charleston, WV 25301
Phone: (304) 424-8800
Fax: (304) 424-8711
Employees (last reported count): 1,253
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Websites
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Index Membership
 ·S&P 600 SmallCap
Ownership
·Insider and 5%+ Owners: 26%
·Over the last 6 months:
 · 4 insider sells; 37.0K shares
  (0.3% of insider shares)
·Institutional: 29% (40% of float)
(183 institutions)
·Net Inst. Buying: 523.0K shares (+4.13%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
United Bankshares, Inc. engages primarily in community banking and mortgage banking, and additionally offers most types of business permitted by law and regulation. The Company has two banking subsidiaries, United National Bank (UNB) and United Bank. Included among the banking services offered are the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans; and the making of construction and real estate loans. Also offered are individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As a part of their lending function, UNB and United Bank offer credit card services including accounts issued under the name of certain correspondent banks.
More from Market Guide: Expanded Business Description

Financial Summary
United Bankshares is a multi-bank holding company whose subsidiaries operate offices in West Virginia and Virginia. For the six months ended 6/30/01, total interest income decreased 2% to $183.7 million. Net interest income after loan loss provision remained flat at $85.8 million. Net income rose 8% to $39.1 million. Net interest income reflects lower earning asset balances, offset by reduced interest paid on borrowings. Earnings reflect higher mortgage banking income.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Compensation
PayExer

Richard Adams, 53
Chairman, CEO
$674K$260K
Steven Wilson, 51
Exec. VP, Treasurer, CFO
270K--  
Douglass Adams, 61
Exec. VP
--  --  
James Consagra, Jr., 39
Exec. VP
--  --  
James Hayhurst, Jr., 53
Exec. VP
222K138K
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:UBSIAs of 31-Aug-2001
Price and Volume
52-Week Low
on 18-Oct-2000
$17.25 
Recent Price$27.90 
52-Week High
on 23-Aug-2001
$28.33 
Beta0.58 
Daily Volume (3-month avg)87.2K
Daily Volume (10-day avg)82.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+42.2%
52-Week Change
relative to S&P500
+90.7%
Share-Related Items
Market Capitalization$1.15B
Shares Outstanding41.3M
Float30.5M
Dividends & Splits
Annual Dividend (indicated)$0.92 
Dividend Yield3.30%
Last Split: 2 for 1 on 30-Mar-1998
Per-Share Data
Book Value (mrq)$10.77 
Earnings (ttm)$1.48 
Earnings (mrq)$0.47 
Sales (ttm)$8.91 
Cash (mrq)$2.83 
Valuation Ratios
Price/Book (mrq)2.59 
Price/Earnings (ttm)18.90 
Price/Sales (ttm)3.13 
Income Statements
Sales (ttm)$374.2M
EBITDAN/A 
Income available to common (ttm)$62.0M
Profitability
Profit Margin (ttm)16.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.24%
Return on Equity (ttm)14.46%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$116.7M
Short Interest
As of 8-Aug-2001
Shares Short627.0K
Percent of Float2.1%
Shares Short
(Prior Month)
639.0K
Short Ratio8.04 
Daily Volume78.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   B = billions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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