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

37 consecutive years of dividend increases for shareholders - only one other major banking company in the USA has achieved such a record 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

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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

"United Bankshares was able to thrive by expanding into growth markets while keeping a conservative balance sheet and maintaining a low percentage of bad loans."

~Jaime Peters, Morningstar, Chicago, IL

"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

"In our view, UBSI remains one of the few banks that has taken the recession and housing downturn in stride with limited deterioration in core earnings power or shareholder dilution."

~ Guggenheim Securities, Nashville, TN

Highly Rated - Highly Regarded

• Experienced management team with a proven track record.

• Richard Adams, UBSI Chairman, was selected as one of three finalist for Morningstar’s 2010 CEO of the Year, along with the Chief Executive Officers of Costco and Ford Motor Company.

• Ranked 30th top performing banking company in the nation by the ABA Banking Journal based on return on average total equity.

• Ranked 31st out of the 150 largest U.S. bank holding companies by Bank Director Magazine based on profitability, capital adequacy and asset quality.

• Ranked the 50th largest bank holding company based on market capitalization.

• Superior long-term total return to shareholders.

Corporate Overview

• A regional bank holding company

• Headquartered in Charleston, WV and Washington, DC

• Full-service offices in West Virginia, Virginia, Maryland, Washington, DC, Ohio, and Pennsylvania.

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

• High level of insider ownership - 20%

• Publicly traded on NASDAQ for more than 20 years

• Member of the S&P Small Cap 600, Russell 2000 and Dow Jones U.S. Select Dividend Indexes

• Employing nearly 1,700 knowledgeable financial professionals