United Bankshares Balance Sheet Health
Financial Health criteria checks 6/6
United Bankshares has total assets of $30.0B and total equity of $4.8B. Total deposits are $22.9B, and total loans are $21.3B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $1.7B.
Key information
6.2x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$22.92b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$1.73b |
Recent financial health updates
No updates
Recent updates
United Bankshares: Holding The Course
Mar 31United Bankshares (NASDAQ:UBSI) Has Affirmed Its Dividend Of $0.36
Sep 01
United Bankshares (NASDAQ:UBSI) Is Due To Pay A Dividend Of $0.36
Jun 02United Bankshares (NASDAQ:UBSI) Is Due To Pay A Dividend Of $0.36
Mar 03United Bankshares' (NASDAQ:UBSI) Dividend Will Be $0.36
Nov 24United Bankshares: Solid Dividend Payer To Own
Sep 14United Bankshares declares $0.36 dividend
Aug 29United Bankshares GAAP EPS of $0.71 beats by $0.09, revenue of $258.51M beats by $9.49M
Jul 28United Bankshares: Normalization Of Provisioning And Mortgage Income To Undermine Top-Line Growth
Jul 14United Bankshares: Asymmetric Risk-Reward With Increased Dividends
Mar 12Do United Bankshares's (NASDAQ:UBSI) Earnings Warrant Your Attention?
Feb 17United Bankshares: Mortgage Banking Normalization To Counter Acquisition Benefits
Nov 02Here's Why I Think United Bankshares (NASDAQ:UBSI) Might Deserve Your Attention Today
Oct 27United Bankshares: High Dividend Yield With Secure Dividends Thanks To M&A Support
Aug 18With EPS Growth And More, United Bankshares (NASDAQ:UBSI) Is Interesting
Jul 05Have Insiders Sold United Bankshares, Inc. (NASDAQ:UBSI) Shares Recently?
Mar 12Is It Worth Considering United Bankshares, Inc. (NASDAQ:UBSI) For Its Upcoming Dividend?
Mar 06Don't Ignore The Fact That This Insider Just Sold Some Shares In United Bankshares, Inc. (NASDAQ:UBSI)
Feb 24What Kind Of Shareholders Own United Bankshares, Inc. (NASDAQ:UBSI)?
Feb 23United Bankshares, Inc. 2020 Q4 - Results - Earnings Call Presentation
Jan 29Read This Before Buying United Bankshares, Inc. (NASDAQ:UBSI) For Its Dividend
Jan 19
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBSI's Assets to Equity ratio (6.2x) is low.
Allowance for Bad Loans: UBSI has a sufficient allowance for bad loans (353%).
Low Risk Liabilities: 91% of UBSI's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBSI has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: UBSI's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: UBSI has an appropriate level of bad loans (0.3%).