{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "d084b201-8f76-4761-a8f8-3bbc4be53ca4",
    "symbol": "UBSI",
    "name": "United Bankshares Inc",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "d084b201-8f76-4761-a8f8-3bbc4be53ca4",
      "symbol": "UBSI",
      "name": "United Bankshares Inc",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "UBSI",
    "market_cap_usd": 6049358101.0,
    "price": 45.650002,
    "currency": "USD",
    "dividend_yield": 0.00832421,
    "dividend_years": 39,
    "dividend_growth_5y": 0.01253874,
    "dividend_cut_5y": false,
    "payout_ratio": 0.4202,
    "net_income": 464603000.0,
    "free_cash_flow": 481192000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.11412135,
    "revenue_growth_5y": 0.09857635,
    "net_margin": 0.40958,
    "roe": 0.0934,
    "pe_ratio": 12.787115,
    "price_vs_ma": 0.10438006,
    "return_3y": 0.73401418,
    "return_5y": 0.4554881,
    "max_drawdown": -0.3654401,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 96.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/",
      "chart": "https://sharemaestro.com/terminal/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 96.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend review warning",
      "detail": "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI qualified as a dividend compounder candidate",
      "detail": "Score 96.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.38 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.38,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2025-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.38 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.38,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2025-09-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2024-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2024-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2024-03-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2023-12-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2023-09-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.36 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.36,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "2023-06-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "UBSI dividend payment 0.36 USD",
      "detail": "Recorded dividend payment for United Bankshares Inc.",
      "amount": 0.36,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1998-12-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1998-09-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.18 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1995-03-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.4%",
      "detail": "Payment changed from 0.135 to 0.145.",
      "amount": 0.145,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1994-06-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 13.0%",
      "detail": "Payment changed from 0.115 to 0.13.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1993-03-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 9.5%",
      "detail": "Payment changed from 0.105 to 0.115.",
      "amount": 0.115,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    },
    {
      "event_date": "1991-12-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UBSI",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 10.5%",
      "detail": "Payment changed from 0.095 to 0.105.",
      "amount": 0.105,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d084b201-8f76-4761-a8f8-3bbc4be53ca4/"
    }
  ]
}