United Bankshares, Inc.
UBSI38 yrs growthFinancial Services · Stock · quarterly payer
Forward Yield
3.33%
Annual Dividend
$1.52
Payout Ratio
42%
5-Yr Growth
1.1%
Ex-Date
Jun 12, 2026
Frequency
Quarterly
Summary
As of June 2026, United Bankshares, Inc. (UBSI) yields 3.33% ($1.52 per share annually), with a blended fair-value estimate of $100.97 — +121% upside, so it screens as undervalued. Dividend safety grade: A (97/100). 38 years of dividend growth.
Is UBSI a good dividend stock?
YesUnited Bankshares, Inc. (UBSI) pays a quarterly dividend yielding 3.33% ($1.52/yr), with 38 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Dividend Aristocrat — 38 consecutive years of growth
- Never cut its dividend on record
- Comfortable payout ratio (42%)
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 3.33%
- Payout Ratio
- 42%
- Annual Dividend
- $1.52
- 5-Yr Avg Growth
- 1.1%
- Ex-Dividend Date
- Jun 12, 2026
- Years of Growth
- 38
- Frequency
- quarterly
- Beta
- 0.74
- Market Cap
- $6.3B
- P/E Ratio
- 12.8
- 5-Yr Total Return
- 25%
- 52-Week Range
- $34.10 – $45.93
- Dividend Safety
- A · 97/100
- Ever Cut?
- No
Frequently Asked Questions
UBSI Price — Last 12 Months
Daily close
Price Return
1 Year
+25%
3 Years
+54%
5 Years
+25%
52-Week Range
$34.10 – $45.93
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UBSI worth?
Undervaluedlow confidenceOur blended fair-value estimate for United Bankshares, Inc. is $100.97 per share, versus a market price of $45.65. That implies 121% of upside — a margin of safety of about 55%.
Fair Value
$100.97
Current Price
$45.65
Upside
+121%
Margin of Safety
55%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 18.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.0% discount rate (CAPM), 18.0% stage-1 growth, 2.5% terminal growth, $3.57 EPS, $1.52 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UBSI Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 12, 2026 | — | $0.3800 | regular |
| Mar 13, 2026 | — | $0.3800 | regular |
| Dec 12, 2025 | — | $0.3800 | regular |
| Sep 12, 2025 | — | $0.3700 | regular |
| Jun 13, 2025 | — | $0.3700 | regular |
| Mar 14, 2025 | — | $0.3700 | regular |
| Dec 13, 2024 | — | $0.3700 | regular |
| Sep 13, 2024 | — | $0.3700 | regular |
| Jun 14, 2024 | — | $0.3700 | regular |
| Mar 7, 2024 | — | $0.3700 | regular |
| Dec 7, 2023 | — | $0.3700 | regular |
| Sep 7, 2023 | — | $0.3600 | regular |
| Jun 8, 2023 | — | $0.3600 | regular |
| Mar 9, 2023 | — | $0.3600 | regular |
Income Calculator
At $1.52 / yr per share
