United Bankshares (FRA:UNK) Net Loan: €21,466 Mil (As of Jun. 2026)

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FRA:UNK United Bankshares Inc FRA:UNK
64 GF Score
Price €41.60
GF Value €37.02
Valuation Modestly Overvalued
! 4 Warning Signs
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What is United Bankshares Net Loan?

United Bankshares FRA:UNK -0.48% 64 Net Loan is €21,466 Mil as of Jun. 2026. GuruFocus rates FRA:UNK with a GF Score™ of 64/100 and a GF Value™ of €37.02 (Modestly Overvalued). The stock has 4 warning signs investors should review.

United Bankshares's quarterly net loan increased from Dec. 2025 (€20,874 Mil) to Mar. 2026 (€21,273 Mil) and increased from Mar. 2026 (€21,273 Mil) to Jun. 2026 (€21,466 Mil).

United Bankshares's annual net loan increased from Dec. 2023 (€19,400 Mil) to Dec. 2024 (€21,273 Mil) and increased from Dec. 2024 (€21,273 Mil) to Dec. 2025 (€21,466 Mil).

United Bankshares Net Loan Historical Data

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The historical data trend for United Bankshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Bankshares Net Loan Chart

United Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16,206.16 19,239.00 19,400.15 20,480.94 20,874.22

United Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20,616.66 20,655.79 20,874.22 21,272.75 21,465.85
FRA:UNK
64GF Score
United Bankshares Inc FRA:UNK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bankshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €21,466 Mil mean?
United Bankshares (FRA:UNK) has a Net Loan of €21,466 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on United Bankshares and its competitors.
Is United Bankshares' Net Loan too high?
United Bankshares' current Net Loan is €21,466 Mil. Overall, United Bankshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' Net Loan compare to GBCI and FNB?
United Bankshares' Net Loan of €21,466 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on United Bankshares and its competitors. United Bankshares's current Net Loan is €21,466 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankshares stock overvalued right now?
Based on GuruFocus' analysis, United Bankshares (FRA:UNK) is currently considered Modestly Overvalued. The stock's GF Value™ is €37.02, compared to a current price of €41.60 — trading 12.4% above its estimated fair value. The current Net Loan is €21,466 Mil. United Bankshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current Net Loan is €21,466 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Bankshares (FRA:UNK) Overvalued in 2026?

Based on GuruFocus' analysis, United Bankshares stock appears to be overvalued. The current stock price of €41.60 is trading 12.4% above its estimated GF Value™ of €37.02. GuruFocus considers United Bankshares to be Modestly Overvalued.

Key valuation signals for FRA:UNK:

  • Net Loan: €21,466 Mil
  • GF Value™: €37.02 vs. price of €41.60 (12.4% above fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the FRA:UNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United Bankshares Business Description

Other Exchanges UBSI:USAUNK:Germany
Address 500 Virginia Street, 300 United Center, East Charleston, Charleston, WV, USA, 25301
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
64GF Score

Get the complete analysis for FRA:UNK

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€41.60
Price
€37.02
GF Value