UNITED BANKSHARES INC【UBSI】

時価総額

$58.5億

PER

コミュニティバンキングの大手。預金・商業・住宅ローン、デジタルバンキングや資産運用・証券仲介を展開。2025年1月にジョージア州の16店舗の銀行で買収。総資産約300億ドル（2024年12月末）、219支店で東海岸中心に展開。

	2010年 12月31日	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	-	-	-	-	-	-	-	-	256	260	289	368	380	366	373
Provision for credit losses	14	17	18	-	-	-	-	-	-	-	-	-	-	-	25
Amortization and accretion	-	-	-	-	-	-	-	-	-	-	30	9	-5	-6	5
Loss on sales of bank premises, OREO, leases and equipment	2	-1	-0	-1	9	-0	-5	-5	1	-4	-1	-0	-0	-0	-0
Tangible Asset Impairment Charges	-	-	-	-	-	-	-	-	-	-	4	5	2	1	0
Depreciation	-	-	-	-	-	-	-	-	-	-	13	17	18	17	16
Loss (gain) on securities	-8	-19	-7	-	-	-	-	-	-	-	-	-	-	-	-8
Loans originated for sale	-	-	-	-	-	-	-	-	-	-	6,528	6,191	1,904	861	646
Proceeds from sales of loans	48	73	136	151	94	146	160	2,455	2,042	2,514	6,529	6,566	2,238	887	674
Gain on sales of loans	-1	1	2	3	2	3	3	59	58	77	266	161	41	26	16
Mortgage repurchase loan losses paid, net of recoveries	-	-	-	-	-	-	-	-	-	-	1	1	0	0	-0
Stock-based compensation	1	1	2	2	2	2	3	4	4	5	6	8	10	12	12
Excess tax benefits from stock-based compensation arrangements	-	-	-	-	-	-	-	-	-	-	-	-	-1	-0	-0
Deferred income tax (benefit) expense	-	-	-	3	10	2	7	61	9	14	-0	3	7	-3	-3
Amortization of tax credit investments	-	-	-	-	-	-	-	-	-	-	-10	-13	-14	-15	-15
Originations Of Servicing Assets	-	-	-	-	-	-	-	-	-	-	-7	-11	-1	-1	-
Recoveries of impairment on mortgage servicing rights	-	-	-	-	-	-	-	-	-	-	-	-	-1	-	-
Gain on sale of mortgage servicing rights	-	-	-	-	-	-	-	-	-	-	-	-	-	8	7
Increase in cash surrender value of bank-owned life insurance policies	-	-	-	6	3	6	4	5	5	1	6	7	14	9	14
Pension Cost (Reversal of Cost)	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Interest receivable	4	3	-0	0	-2	3	1	2	8	-3	-1	-3	30	17	-9
Other assets	0	2	-17	-10	5	-22	6	-33	-12	23	-46	-43	-57	4	-2
Accrued expenses and other liabilities	-3	-15	8	-6	-4	-2	-4	-2	9	20	-9	-13	4	19	3
NET CASH PROVIDED BY OPERATING ACTIVITIES	101	119	129	142	-	-	-	-	293	148	140	610	761	435	445
Proceeds from sales of securities available for sale	-	-	-	-	-	-	-	-	-	-	-	53	0	182	455
Proceeds from maturities and calls of securities available for sale	1,332	1,462	1,991	684	440	184	411	439	271	338	516	679	575	770	2,459
Purchases of securities available for sale	-	-	-	-	-	-	-	-	-	-	-	1,522	1,572	108	2,062
Proceeds from sales of equity securities	-	-	-	-	-	-	-	-	-	-	-	1	7	0	8
Purchases of equity securities	-	-	-	-	-	-	-	-	-	-	-	2	3	2	1
Proceeds from Sale and Maturity of Other Investments	-	-	-	-	-	-	-	-	-	85	149	12	5	155	161
Purchases of other investment securities	-	-	6	40	61	22	72	74	57	130	137	35	99	178	136
Proceeds from Life Insurance Policy	-	1	-	3	9	2	1	-	-	3	6	1	12	3	4
Purchases of bank premises and equipment	3	8	5	6	9	5	7	14	6	11	19	15	17	12	12
Proceeds from sales of bank premises and equipment	-	-	2	0	11	1	1	0	8	0	4	2	1	3	0
Proceeds from sales of mortgage servicing rights	-	-	-	-	-	-	-	-	-	-	-	-	-	23	12
Proceeds from sales of OREO properties	-	-	-	-	-	-	18	7	11	10	14	6	11	3	2
Net change in loans and leases	-468	-29	298	212	396	291	17	-496	391	285	620	-882	2,367	801	318
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES	632	158	-208	-373	-	-	-	-	-872	-379	138	16	-3,448	39	571
Cash dividends paid	52	54	62	62	82	89	96	121	142	139	163	181	193	195	201
Acquisition of treasury stock	0	0	0	0	0	0	0	0	101	36	21	11	79	1	1
Proceeds from Stock Options Exercised	2	542,000	0	2	10	8	13	5	2	1	1	5	10	2	5
Repayment of long-term Federal Home Loan Bank borrowings	385	60	55	54	437	794	726	845	755	1,135	1,847	598	520	1,900	1,500
Proceeds from FHLBank Borrowings, Financing Activities	-	-	-	345	790	705	795	815	950	1,475	500	500	1,900	1,500	250
Redemption of subordinated debt	-	-	-	-	-	-	-	-	-	-	-	-	-	10	-
Time deposits	-	-	-	-	-	-	-	-	-	28	584	-276	-623	1,319	255
Other deposits	334	250	237	89	140	433	408	-929	459	-170	2,272	1,525	-421	-801	888
Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings	-30	33	60	116	-259	-13	-294	172	-176	23	-232	-40	32	35	-20
NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES	-721	-102	-125	215	-	-	-	-	-67	48	1,094	924	105	-52	-324
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	-	-	-	-	-	-	-	-	-	-183	1,372	1,549	-2,582	422	693
Cash paid for interest on deposits and borrowed funds	-	-	-	-	-	-	-	-	125	183	115	55	98	468	591
Income Taxes Paid	-	-	-	-	-	-	62	73	55	56	65	101	94	106	92
Cash paid for amounts in the measurement of lease liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	22	20
Transfers of loans held for sale to loans	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfers of loans to OREO	-	-	-	-	-	-	22	18	2	13	28	3	2	5	0
Right-of-use assets obtained in the exchange for lease liabilities	-	-	-	-	-	-	-	-	-	8	31	23	9	33	9
Assets acquired, net of cash	-	-	-	-	-	-	-	-	-	-	-	-	-0	-	-
Subsidiaries	-	-	-	-	-	-	-	-	-	-	-	1,619	0	-	-
Subsidiaries	-	-	-	-	-	-	-	-	-	-	-	76	2	-	-