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The Challenge To Be The Best Never Ends

Strength in Numbers

In today’s economy, the strength of your banking company shouldn’t be in question. At United, we don’t just claim to be financially strong - we have the numbers to prove it.

A High Performance Banking Company with a Low-Risk Profile
  • Moody’s Investors Service affirmed United’s financial strength in a recent outlook which stated "United's relatively low credit costs and good operating efficiency have enabled the company to remain consistently profitable throughout the credit crisis." It was also noted that United's loan portfolios have "performed well, as demonstrated by nonperforming asset ratios that are better than similarly-rated peer medians."
  • 38 consecutive years of dividend increases to shareholders – only one other major banking company in the USA has achieved such a record.
  • United is also a member of Dow Jones U.S. Select Dividend Index, which tracks the top 100 highest dividend-paying U.S. companies derived from the Dow Jones U.S. Index, as well as the S&P Small Cap 600 and Russell 2000 Indexes.
  • Richard Adams, UBSI Chairman, was selected as one of three finalists for Morningstar’s 2010 CEO of the Year, along with the Chief Executive Officers of Costco and Ford Motor Company.
  • United is ranked the 46th largest bank holding company in the U.S. based on market capitalization.
  • United has a history of superior long-term total return to its shareholders.
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"We believe United Bankshares, Inc. offers investors a high-quality, valuable franchise in the attractive banking markets of northern Virginia, metro DC and West Virginia. United's strong core profitability, impressive credit trends, high dividend yield and sufficient capital base afford the company an abovepeer valuation."

~Keefe, Bruyette & Woods, New York, NY

"UBSI maintains the title as one of the more valuable franchises of size remaining in the mid-Atlantic."
~ Sandler O'Neill & Partners, New York, NY

Corporate Overview

  • An $8.5 billion regional bank holding company

  • Headquartered in Charleston, WV and Washington, DC

  • 123 full-service offices in West Virginia, Virginia, Maryland, Pennsylvania, Ohio, and Washington, DC

  • Publicly traded on NASDAQ for 25 years

  • Experienced management team with a proven track record

  • Founded in 1839 - serving our communities for more than 170 years

  • High level of insider ownership - 20%

  • Employing over 1,600 knowledgeable financial professionals



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