Is UNITED BANKSHARES INC/WV (UBSI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 56.4% | |
| Net Margin | 38.6% | |
| Return on Equity (ROE) | 8.9% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $499M |
| Free Cash Flow | $481M |
| Total Debt | $627M |
| Total Assets | $33.7B |
Price & Trading
| Last Close | $41.08 |
| 50-Day MA | $41.93 |
| 200-Day MA | $38.44 |
| Avg Volume | 925K |
| Beta | 0.8 |
|
52-Week Range
$30.51
| |
About UNITED BANKSHARES INC/WV (UBSI)
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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Frequently Asked Questions
Is UNITED BANKSHARES INC/WV (UBSI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UNITED BANKSHARES INC/WV is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UNITED BANKSHARES INC/WV's debt ratio?
UNITED BANKSHARES INC/WV's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UNITED BANKSHARES INC/WV's key financial metrics?
UNITED BANKSHARES INC/WV has a market capitalization of $5.6B, trailing P/E ratio of 12.3, and revenue of $1.2B. Return on equity stands at 8.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.