Part of the financial services sector, United Bankshares, Inc. (UBSI) is listed under Banks - Regional. At a $6.56B market cap, United Bankshares, Inc. ranks as a mid-cap company within financial services. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.
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With $2.31B in cash and $792.3M in debt, UBSI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 9.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $1.04B to $1.24B.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for United Bankshares, Inc. and its sector.