UBSI United Bankshares (UBSI) Insider Trading, Ownership & Congress Trades
Banks · State commercial banks · CIK 0000729986
Form 144 · 1
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
227
13F, latest reported quarter
What the filings say about UBSI
Insiders, 180 days
-$148.5K net sold
1 seller · 0% of sales under a 10b5-1 plan
Congress, 1 year
No trades
Last one: sale, 2025-06-11
Planned sales (Form 144), 90 days
$148.7K
1 notice
United Bankshares insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, UNITED BANKSHARES INC/WV insiders sold a net $148.5K of stock across 18 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Dec 18, 2024.
- The trade is 9.9% of the 32,224 shares held after it.
- No other insider sold within 30 days.
- 227 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director NESSELROAD MARK R sold about $148.5K of UBSI on Sep 1, 2026, the largest insider sale at the company since 2024; 227 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on May 25, 2023.
- The trade is 100.0% of the 101 shares held after it.
- No other insider bought within 30 days.
- 227 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Rice Lacy I III bought about $4.2K of UBSI on Jan 28, 2026; 227 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 51.4% of the 5,054 shares held after it.
- No other insider bought within 30 days.
- 227 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director DuMond Sara bought about $91.0K of UBSI on Mar 24, 2025, the largest insider purchase at the company since 2023; 227 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 16.9% of the 35,424 shares held after it.
- 1 other insider sold within 30 days.
- 227 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director NESSELROAD MARK R sold about $235.0K of UBSI on Dec 18, 2024, the largest insider sale at the company on our record; 1 other insider sold within 30 days and 227 funds added in the latest 13F quarter.Context
- 2 earlier Form 4 trades (code P or S) here by this insider (1 buy, 1 sale), the last on May 15, 2023.
- The trade is 3.9% of the 63,408 shares held after it.
- 2 other insiders sold within 30 days.
- 227 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director MCNAMARA J PAUL sold about $107.2K of UBSI on Nov 26, 2024; 2 other insiders sold within 30 days and 227 funds added in the latest 13F quarter.18 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$148.5K over 180 days
-$148.5K over 90 days
more than 56% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
227 funds bought in last quarter
more than 83% of Banks
Revenue
-5.7% year over year
below 90% of Banks
Margin
148.9% net margin
below 54% of Banks
Buybacks
$136.3M repurchased, FY to 2026-06-30
more than 85% of Banks
Short interest
5.2% of the float short (float per yahoo 2026-10-27) · 7.0 days to cover · settled 2026-10-15
more than 76% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch UBSI
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+41.9%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns UBSI: institutional holders (13F)
13F holdings, latest reported quarter
20,187,911 sh
$925.2M
8,640,931 sh
$399.1M
7,691,387 sh
$352.5M
7,280,922 sh
$333.7M
6,246,820 sh
$286.3M
Congress trades in UBSI
STOCK Act disclosures, US House only, filed up to 45 days after the trade
Sold 2025-06-11 · disclosed 63 days later
$1,001 - $15,000
Bought 2025-06-09 · disclosed 65 days later
$1,001 - $15,000
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
UBSI planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
NESSELROAD MARK R
Filed 2026-09-01
$148.7K
UBSI mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Harbor Active Small Cap ETF
$457.0K position · as of 2026-07-31
3.3%
First Trust NASDAQ ABA Community Bank Index Fund
$2.2M position · as of 2026-06-30
2.5%
Cambiar Small Cap Fund
$1.5M position · as of 2026-07-31
2.2%
Harbor Small Cap Value Fund
$46.6M position · as of 2026-07-31
1.9%
American Century Small Cap Value Insights ETF
$229.4K position · as of 2026-05-31
1.6%
Victory Sycamore Small Company Opportunity Fund
$75.6M position · as of 2026-06-30
1.6%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Richard M.Adams Jr.
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2024
$5.5M
$4.6M
$3.3M
+36%
+39%
2023
$4.4M
$3.7M
$2.8M
+31%
+16%
2021
$4.6M
$6.3M
$1.8M
+16%
+43%
2020
$4.3M
$4.0M
$1.6M
-11%
-11%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $148.5K sold by insiders over 180 days, 227 funds added last quarter, $148.7K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
UBSI financials
Revenue growth
-5.7%
XBRL, annual
Net margin
148.9%
Complaints, 90 days
9
- YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Revenue, TTM UBSI
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Net margin, TTM UBSI
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$533.9M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM UBSI
| FY Dec 2025 | $481.2M |
| FY Dec 2024 | $433.3M |
| FY Dec 2023 | $423.6M |
| FY Dec 2022 | $744.0M |
| FY Dec 2021 | $594.2M |
| Jun 2026 | $98.0M |
| Mar 2026 | $156.0M |
| Dec 2025 | $133.5M |
| Sep 2025 | $146.4M |
| Jun 2025 | $85.2M |
| Mar 2025 | $116.1M |
| Dec 2024 | $133.5M |
| Sep 2024 | $122.0M |
At each fiscal year end
Single quarter
Debt to equity
0.13x
long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30; equity 2026-06-30
Debt to equity UBSI
| FY Dec 2025 | 0.13x |
| FY Dec 2024 | 0.14x |
| FY Dec 2023 | 0.42x |
| FY Dec 2022 | 0.52x |
| FY Dec 2021 | 0.20x |
| Jun 2026 | 0.13x |
| Mar 2026 | 0.13x |
| Dec 2025 | 0.13x |
| Sep 2025 | 0.08x |
| Jun 2025 | 0.08x |
| Mar 2025 | 0.08x |
| Dec 2024 | 0.14x |
| Sep 2024 | 0.09x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.80x
TTM operating cash flow over long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30
Cash flow to debt UBSI
| FY Dec 2025 | 0.68x |
| FY Dec 2024 | 0.62x |
| FY Dec 2023 | 0.22x |
| FY Dec 2022 | 0.32x |
| FY Dec 2021 | 0.64x |
| Jun 2026 | 0.80x |
| Mar 2026 | 0.77x |
| Dec 2025 | 0.68x |
| Sep 2025 | 1.18x |
| Jun 2025 | 1.14x |
| Mar 2025 | 1.04x |
| Dec 2024 | 0.62x |
| Sep 2024 | 1.07x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+9.5%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity UBSI
| FY Dec 2025 | +8.9% |
| FY Dec 2024 | +7.6% |
| FY Dec 2023 | +7.9% |
| FY Dec 2022 | +8.2% |
| FY Dec 2021 | +8.2% |
| Jun 2026 | +9.5% |
| Mar 2026 | +9.3% |
| Dec 2025 | +8.9% |
| Sep 2025 | +8.3% |
| Jun 2025 | +7.7% |
| Mar 2025 | +7.3% |
| Dec 2024 | +7.6% |
| Sep 2024 | +7.4% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.5%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets UBSI
| FY Dec 2025 | +1.5% |
| FY Dec 2024 | +1.2% |
| FY Dec 2023 | +1.2% |
| FY Dec 2022 | +1.3% |
| FY Dec 2021 | +1.3% |
| Jun 2026 | +1.5% |
| Mar 2026 | +1.5% |
| Dec 2025 | +1.5% |
| Sep 2025 | +1.4% |
| Jun 2025 | +1.3% |
| Mar 2025 | +1.2% |
| Dec 2024 | +1.2% |
| Sep 2024 | +1.2% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital UBSI
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed UBSI
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
13.22x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing UBSI
| FY Dec 2025 | 11.74x |
| FY Dec 2024 | 13.70x |
| FY Dec 2023 | 13.86x |
| FY Dec 2022 | 14.41x |
| FY Dec 2021 | 12.82x |
| Jun 2026 | 12.49x |
| Mar 2026 | 11.60x |
| Dec 2025 | 11.74x |
| Sep 2025 | 12.20x |
| Jun 2025 | 12.87x |
| Mar 2025 | 12.89x |
| Dec 2024 | 13.70x |
| Sep 2024 | 14.05x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$5.6B
market value at close 2026-10-27 on 2026-07-31 shares, plus long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30, minus cash 2017-03-31
Enterprise value UBSI
| FY Dec 2025 | $4.5B |
| FY Dec 2024 | $4.1B |
| FY Dec 2023 | $5.4B |
| FY Dec 2022 | $6.1B |
| FY Dec 2021 | $4.0B |
| Jun 2026 | $5.3B |
| Mar 2026 | $4.8B |
| Dec 2025 | $4.5B |
| Sep 2025 | $4.0B |
| Jun 2025 | $3.9B |
| Mar 2025 | $3.7B |
| Dec 2024 | $4.1B |
| Sep 2024 | $3.8B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+8.1%
TTM free cash flow over market value at close 2026-10-27
FCF yield UBSI
| FY Dec 2025 | +8.9% |
| FY Dec 2024 | +8.5% |
| FY Dec 2023 | +8.4% |
| FY Dec 2022 | +13.6% |
| FY Dec 2021 | +12.7% |
| Jun 2026 | +8.5% |
| Mar 2026 | +9.0% |
| Dec 2025 | +8.9% |
| Sep 2025 | +9.1% |
| Jun 2025 | +8.8% |
| Mar 2025 | +8.7% |
| Dec 2024 | +8.5% |
| Sep 2024 | +9.2% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.45x
P/E over trailing EPS growth of 30%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing UBSI
| FY Dec 2025 | 0.61x |
| FY Dec 2024 | 12.38x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.63x |
| Jun 2026 | 0.42x |
| Mar 2026 | 0.35x |
| Dec 2025 | 0.61x |
| Sep 2025 | 0.79x |
| Jun 2025 | 1.90x |
| Mar 2025 | 4.82x |
| Dec 2024 | 12.38x |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | n/a | n/a | n/a | $312.0M |
| Net income | $464.6M | $373.0M | $366.3M | $379.6M |
| EPS (diluted) | 3.27 | 2.75 | 2.71 | 2.80 |
| Operating cash flow | $498.9M | $445.5M | $435.2M | $760.8M |
| Long-term debt | $531.8M | $540.4M | $1.8B | $2.2B |
| Buybacks | $127.0M | $1.0M | $1.4M | $79.5M |
| Dividends paid | $209.0M | $200.7M | $194.7M | $193.0M |
SEC XBRL, fiscal years, as known on 2026-10-28
UBSI Stock Sonar score 6/7 axes
Find similar shapesCompareUBSI ranks highest on institutional and government (83rd percentile) and financial health (67th), and lowest on growth (10th), among Banks peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
UBSI filings, in plain words
Are United Bankshares insiders buying or selling UBSI?
In the 180 days to 2026-10-28, United Bankshares insiders were net sellers, a net $148.5K across purchases and sales reported on Form 4, by 1 seller.
Have members of Congress traded UBSI?
Yes, but not in the year to 2026-10-28; the latest on record is a sale by Lisa McClain dated 2025-06-11.
Are there planned insider sales of UBSI?
Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $148.7K of stock; the latest, by NESSELROAD MARK R, was filed 2026-09-01.
Read the full summary
In the 180 days to 2026-10-28, United Bankshares insiders were net sellers of UBSI, a net $148.5K across purchases and sales reported on Form 4 by 1 seller. Members of Congress have disclosed trades in UBSI, none in the last year; the latest on record is a sale by Lisa McClain dated 2025-06-11. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $148.7K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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