Is United Bankshares, Inc. (West Virginia) UBSI stock halal to invest in?

No, as of August 2026, United Bankshares, Inc. (West Virginia) stock (UBSI) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. United Bankshares, Inc. (West Virginia) currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of United Bankshares, Inc. (West Virginia) and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is United Bankshares, Inc. (West Virginia) UBSI reviewed for Shariah compliance?

Tabadulat reviews United Bankshares, Inc. (West Virginia) UBSI for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for United Bankshares, Inc. (West Virginia) reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, United Bankshares, Inc. (West Virginia) stock (UBSI) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. United Bankshares, Inc. (West Virginia)'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, United Bankshares, Inc. (West Virginia) stock (UBSI) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). United Bankshares, Inc. (West Virginia)'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, United Bankshares, Inc. (West Virginia) stock (UBSI) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. United Bankshares, Inc. (West Virginia)'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for United Bankshares, Inc. (West Virginia) UBSI stock?

United Bankshares, Inc. (West Virginia) (UBSI) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If United Bankshares, Inc. (West Virginia) returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Preference Share screen?

Yes, as of August 2026, United Bankshares, Inc. (West Virginia) stock (UBSI) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. United Bankshares, Inc. (West Virginia) has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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United Bankshares, Inc. (West Virginia)

NASDAQ

Shariah-Compliant

Not Shariah

UBSI

About

United Bankshares, Inc. (West Virginia)

UBSI

United Bankshares Inc. is a financial holding company that provides an array of banking services to individuals, businesses, and institutions predominantly in the Mid-Atlantic and Southeastern regions of the United States. The company's primary function is to offer retail and commercial banking services through its extensive network of community bank subsidiaries. These services include traditional deposit products, loan origination, credit card services, and wealth management solutions. United Bankshares also engages in mortgage banking activities, catering to the real estate financing needs of its clientele. With a strategic focus on providing customer-centric banking experiences, the company has positioned itself as a significant player in its regional markets. United Bankshares impacts various sectors such as residential and commercial real estate, small and medium enterprises, and consumer finance through its comprehensive financial product offerings. The company’s longstanding history and commitment to financial stability play an integral role in its ability to support economic growth in its operational territories.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

2760

Website:

https://www.ubsi-inc.com

UBSI

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United Bankshares, Inc. (West Virginia)

About

United Bankshares, Inc. (West Virginia)

UBSI

Frequently asked questions

Is United Bankshares, Inc. (West Virginia) UBSI stock halal to invest in?

How often is United Bankshares, Inc. (West Virginia) UBSI reviewed for Shariah compliance?

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Non Permissible Income criteria?

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Interest Bearing Investments criteria?

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for United Bankshares, Inc. (West Virginia) UBSI stock?

Does United Bankshares, Inc. (West Virginia) UBSI pass the AAOIFI Preference Share screen?

Can I buy United Bankshares, Inc. (West Virginia) (UBSI) stock on Tabadulat?

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