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United Bankshares Inc

United Bankshares Inc

UBSI · NASDAQ · Financial Services / Banks - Regional

48.15USD+0.29 (+0.61%)

Price History

Full chart

Market Stats

Previous Close47.86
Open48.03
Day Range47.71 – 48.18
52-Week Range32.90 – 49.22
Volume584.40K
Market Cap6.36B
P/E (TTM)12.77
Forward P/E13.55
EPS3.66
Dividend Yield3.24%
Beta0.72
50-Day Avg47.75
200-Day Avg43.93

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard Matthew Adams Jr., M.D.
  • Employees2.74K
  • Headquarters300 United Center, Charleston, WV, United States, 25301, USA
  • Websitehttps://www.ubsi-inc.com

Leadership

  • Mr. Richard M. Adams Sr.Executive Chairman of the Board · b. 1947
  • Mr. Richard Matthew Adams Jr., M.D.CEO & Director · b. 1968
  • Mr. James J. Consagra Jr., CPAPresident · b. 1961
  • Mr. W. Mark TattersonExecutive VP, CFO & Treasurer · b. 1975
  • Mr. Darren K. WilliamsExecutive VP and Chief Information & Risk Officer · b. 1972
  • Mr. Ross M. DraberExecutive VP & COO · b. 1988
  • Mr. Matthew Lee HumphreyExecutive VP and Head of Wealth & Investment Management · b. 1980
  • Ms. Ami Lee ShaverExecutive VP & Chief Human Resources Officer · b. 1971
  • Mr. Douglas Bryon ErnestExecutive VP & Chief Credit Officer · b. 1964
  • Mr. Charles J. MildrenExecutive VP & Chief Consumer Lending Officer · b. 1972

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---111.30M119.90M113.50M111.70M129.20M132.40M149.10M280.40M317.60M367.50M405.78M411.63M422.81M361.27M324.60M347.58M397.90M449.72M496.48M497.21M434.83M382.30M366.31M387.42M371.33M489.14M495.75M538.63M753.64M841.42M910.75M1.14B1.06B1.15B1.53B1.62B1.82B
Growth (%)----+7.73%-5.34%-1.59%+15.67%+2.48%+12.61%+88.06%+13.27%+15.71%+10.42%+1.44%+2.72%-14.56%-10.15%+7.08%+14.48%+13.02%+10.40%+0.15%-12.55%-12.08%-4.18%+5.76%-4.15%+31.73%+1.35%+8.65%+39.92%+11.65%+8.24%+24.93%-6.90%+8.14%+33.46%+6.01%+12.33%
Cost of Revenue---61.00M67.70M57.80M47.50M49.30M45.70M56.90M115.20M134.50M167.60M183.20M213.51M188.34M138.11M102.98M93.43M130.07M182.53M218.64M202.27M166.44M98.97M72.94M64.05M55.58M64.77M62.08M69.52M103.22M151.08M205.95M215.17M28.41M124.38M512.55M616.21M630.78M
Gross Profit---50.30M52.20M55.70M64.20M79.90M86.70M92.20M165.20M183.10M199.90M222.58M198.12M234.47M223.16M221.63M254.15M267.83M267.19M277.84M294.94M268.40M283.33M293.37M323.37M315.75M424.37M433.67M469.11M650.43M690.34M704.79M922.62M1.03B1.02B1.02B1.00B1.19B
Gross Margin---45.19%43.54%49.07%57.48%61.84%65.48%61.84%58.92%57.65%54.39%54.85%48.13%55.46%61.77%68.28%73.12%67.31%59.41%55.96%59.32%61.72%74.11%80.09%83.47%85.03%86.76%87.48%87.09%86.30%82.04%77.39%81.09%97.32%89.14%66.47%61.98%65.35%
Operating Expense---34.50M37.30M37.30M41.50M49.70M48.70M48.80M104.40M103.80M138.00M117.58M110.42M115.75M109.73M129.54M137.06M121.16M137.17M147.93M171.07M190.15M178.93M183.00M201.89M190.70M229.48M230.18M246.45M365.60M363.17M380.35M562.88M567.97M545.35M552.50M539.92M599.64M
Operating Income1.90M7.30M10.30M15.80M14.90M18.40M22.70M30.20M38.00M43.40M60.80M79.30M61.90M105.00M87.70M118.73M113.43M92.09M117.09M146.67M130.02M129.91M123.87M78.25M104.40M110.38M121.48M125.04M194.89M203.49M222.66M284.83M327.17M324.44M359.74M462.85M475.78M463.81M464.58M590.18M
Operating Margin---14.20%12.43%16.21%20.32%23.37%28.70%29.11%21.68%24.97%16.84%25.88%21.31%28.08%31.40%28.37%33.69%36.86%28.91%26.17%24.91%18.00%27.31%30.13%31.36%33.67%39.84%41.05%41.34%37.79%38.88%35.62%31.62%43.70%41.53%30.34%28.67%32.42%
EBITDA1.90M7.30M10.30M17.80M16.80M20.20M25.20M34.90M43.60M46.30M67.40M88.70M75.60M116.40M97.22M127.46M119.03M110.37M130.64M159.87M140.28M137.66M130.53M85.07M111.19M117.72M131.20M136.72M196.46M204.24M213.94M263.26M306.10M304.00M343.30M470.76M499.45M486.91M474.98M590.18M
EBITDA Margin---15.99%14.01%17.80%22.56%27.01%32.93%31.05%24.04%27.93%20.57%28.69%23.62%30.15%32.95%34.00%37.59%40.18%31.19%27.73%26.25%19.56%29.08%32.14%33.87%36.82%40.16%41.20%39.72%34.93%36.38%33.38%30.17%44.44%43.60%31.85%29.31%32.42%
Net Income1.90M7.30M10.30M11.50M10.70M13.10M15.80M21.70M24.90M28.10M39.70M52.30M44.40M70.20M58.98M79.99M88.93M78.77M97.76M100.41M89.25M90.67M86.95M67.30M71.95M75.61M82.61M85.63M129.89M137.96M147.08M150.58M256.34M260.10M289.02M367.74M379.63M366.31M373.00M464.60M
Net Income Margin---10.33%8.92%11.54%14.15%16.80%18.81%18.85%14.16%16.47%12.08%17.30%14.33%18.92%24.62%24.26%28.13%25.23%19.85%18.26%17.49%15.48%18.82%20.64%21.32%23.06%26.55%27.83%27.31%19.98%30.47%28.56%25.40%34.72%33.14%23.96%23.01%25.52%
R&D------------------------00000000--------
R&D as % of Total Revenue------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense00058.00M61.80M52.90M44.60M45.00M43.90M54.80M112.30M131.20M155.40M174.40M197.77M175.51M129.18M95.50M88.91M124.45M181.09M213.31M177.12M120.37M85.20M55.79M46.19M36.31M42.83M39.51M45.01M74.81M129.07M184.64M108.61M52.38M105.56M481.40M591.05M583.69M
Interest Expense % of Total Revenue---52.11%51.54%46.61%39.93%34.83%33.16%36.75%40.05%41.31%42.29%42.98%48.04%41.51%35.76%29.42%25.58%31.28%40.27%42.96%35.62%27.68%22.29%15.23%11.92%9.78%8.76%7.97%8.36%9.93%15.34%20.27%9.55%4.95%9.21%31.49%36.47%32.06%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets---1.10B1.19B1.19B1.55B1.72B1.79B1.82B2.33B4.09B4.57B5.07B4.90B5.63B5.79B6.38B6.44B6.73B6.72B7.99B8.10B7.81B7.16B8.45B8.42B8.74B12.33B12.58B14.51B19.06B19.25B19.66B26.18B29.33B29.49B29.93B30.02B33.66B
Total Liabilities---1.00B1.09B1.08B1.40B1.55B1.61B1.61B2.07B3.70B4.15B4.67B4.47B5.13B5.25B5.76B5.80B6.09B6.08B7.23B7.37B7.04B6.36B7.48B7.43B7.69B10.67B10.87B12.27B15.82B16.00B16.30B21.89B24.61B24.97B25.16B25.03B28.16B
Total Equity---95.00M106.70M112.60M150.10M171.00M179.70M201.20M258.50M396.10M421.50M395.90M430.87M506.53M541.54M615.19M631.51M635.21M634.09M761.20M736.71M761.55M793.01M968.84M992.25M1.04B1.66B1.71B2.24B3.24B3.25B3.36B4.30B4.72B4.52B4.77B4.99B5.50B
Cash---65.80M70.70M77.80M122.70M60.90M82.80M78.90M89.50M190.00M141.30M159.80M143.69M157.59M175.36M243.69M153.47M198.81M240.44M213.15M205.08M449.05M460.67M634.99M431.06M415.90M752.34M856.61M1.43B1.67B1.02B836.67M2.21B3.76B1.18B1.60B2.29B2.54B
Total Debt---58.70M73.00M61.50M96.20M104.80M155.80M116.10M208.20M461.50M594.90M1.35B1.04B1.27B1.28B1.27B1.44B1.40B1.18B1.81B1.63B994.88M579.67M600.13M599.89M1.01B1.54B1.44B1.38B1.84B1.85B2.27B1.08B1.03B2.43B2.08B803.28M921.17M
Net Debt----7.10M2.30M-16.30M-26.50M43.90M73.00M37.20M118.70M271.50M453.60M1.19B896.54M1.11B1.11B1.03B1.29B1.21B941.02M1.60B1.43B545.83M119.00M-34.86M168.83M590.55M788.62M581.66M-52.23M176.19M830.84M1.44B-1.13B-2.72B1.26B480.31M-1.49B-1.62B

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow10.60M17.70M19.90M20.10M30.70M34.50M35.70M31.30M31.00M-99.80M226.40M743.00K-57.17M111.20M88.13M72.15M112.88M89.40M81.45M113.94M53.66M100.82M118.57M129.44M142.20M152.57M174.90M170.73M253.93M294.04M147.69M140.45M609.54M760.82M435.24M445.45M498.91M
Investing Cash Flow-61.80M-32.20M8.70M-29.60M-50.60M-52.20M23.30M-302.40M-318.00M-305.20M-674.20M216.64M-115.91M131.99M-292.13M-451.23M-261.96M64.80M-363.23M-203.54M545.16M631.92M158.34M-208.14M-373.11M-212.58M-185.30M30.96M266.68M-873.01M-379.05M137.59M15.65M-3.45B38.99M571.49M-899.31M
Financing Cash Flow28.60M13.10M-16.70M47.50M-48.60M39.70M-62.80M275.20M312.60M356.30M466.30M-232.38M185.86M-225.42M283.57M277.60M203.58M-103.15M253.41M72.48M-362.58M-721.13M-102.29M-125.22M215.45M396.46M115.69M375.50M-288.97M-66.79M48.45M1.09B923.91M105.32M-51.94M-323.64M650.41M
Capital Expenditure1.20M1.20M1.60M800.00K1.60M2.10M1.70M4.40M4.90M6.80M003.50M5.34M694.00K3.00M3.05M3.12M3.05M2.43M4.95M3.27M8.02M5.21M6.00M8.88M5.26M7.27M14.36M5.78M11.08M19.02M15.38M16.86M11.69M12.13M17.71M
Free Cash Flow9.40M16.50M18.30M19.30M29.10M32.40M34.00M26.90M26.10M-106.60M226.40M743.00K-60.67M105.86M87.44M69.15M109.83M86.28M78.41M111.51M48.71M97.56M110.57M124.23M136.20M143.69M169.64M163.46M239.57M286.76M136.61M121.42M594.16M743.96M423.55M433.33M481.19M
Dividends Paid5.00M4.60M6.90M10.00M10.90M12.60M10.30M16.50M19.80M24.70M35.00M35.47M36.99M39.75M41.63M43.97M44.41M45.07M46.42M50.18M50.38M52.26M54.34M62.33M62.43M82.50M88.86M96.35M121.35M142.35M138.94M162.71M181.28M193.04M194.73M200.73M209.00M
FCF to OCF88.68%93.22%91.96%96.02%94.79%93.91%95.24%85.94%84.19%106.81%100.00%100.00%106.13%95.20%99.21%95.84%97.30%96.52%96.26%97.87%90.78%96.76%93.26%95.98%95.78%94.18%96.99%95.74%94.35%97.52%92.50%86.45%97.48%97.78%97.31%97.28%96.45%
Dividend Paid to FCF53.19%27.88%37.70%51.81%37.46%38.89%30.29%61.34%75.86%-23.17%15.46%4773.62%-60.97%37.55%47.60%63.58%40.44%52.23%59.21%45.00%103.43%53.56%49.15%50.17%45.84%57.41%52.38%58.94%50.65%49.64%101.70%134.01%30.51%25.95%45.97%46.32%43.43%

Earnings

Report DateApr 18, 1996Jul 19, 1996Oct 18, 1996Jan 17, 1997Apr 16, 1997Jul 18, 1997Oct 20, 1997Jan 22, 1998Apr 17, 1998Jul 21, 1998Oct 20, 1998Jan 20, 1999Apr 19, 1999Jul 19, 1999Oct 18, 1999Jan 21, 2000Apr 20, 2000Jul 20, 2000Oct 19, 2000Jan 22, 2001Apr 20, 2001Jul 18, 2001Oct 22, 2001Jan 22, 2002Apr 18, 2002Jul 19, 2002Oct 21, 2002Jan 21, 2003Apr 17, 2003Jul 18, 2003Oct 21, 2003Jan 21, 2004Apr 20, 2004Jul 20, 2004Oct 19, 2004Jan 25, 2005Apr 25, 2005Jul 26, 2005Oct 26, 2005Jan 26, 2006Apr 26, 2006Jul 26, 2006Oct 26, 2006Jan 25, 2007Apr 25, 2007Jul 26, 2007Oct 25, 2007Jan 24, 2008Apr 24, 2008Jul 24, 2008Oct 23, 2008Jan 27, 2009Apr 23, 2009Jul 23, 2009Oct 26, 2009Jan 27, 2010Apr 26, 2010Jul 23, 2010Oct 26, 2010Jan 25, 2011Apr 26, 2011Jul 25, 2011Oct 25, 2011Jan 26, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Jan 29, 2013Apr 25, 2013Jul 25, 2013Oct 29, 2013Jan 30, 2014Apr 29, 2014Jul 29, 2014Oct 29, 2014Jan 29, 2015Apr 28, 2015Jul 29, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Jan 31, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Jan 30, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 29, 2019Apr 25, 2019Jul 25, 2019Oct 24, 2019Jan 29, 2020Apr 30, 2020Jul 24, 2020Oct 23, 2020Jan 28, 2021Apr 23, 2021Jul 23, 2021Oct 26, 2021Jan 27, 2022Apr 26, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 26, 2023Jul 27, 2023Oct 25, 2023Jan 26, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 24, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate0.310.300.330.330.330.340.340.350.350.360.370.240.390.400.400.410.420.430.440.440.450.470.480.490.500.510.520.530.530.540.550.510.520.550.560.570.570.580.590.600.610.600.620.600.600.600.600.600.570.560.460.480.400.240.410.370.400.400.400.400.400.400.430.440.440.440.440.450.440.440.450.440.440.470.500.520.490.500.500.500.480.490.520.500.480.510.540.520.590.610.630.610.610.640.630.610.490.430.560.570.720.690.650.610.600.630.660.780.740.660.650.670.650.640.670.680.630.780.820.860.850.890.94
EPS Actual0.310.280.320.330.330.340.340.350.360.370.390.240.400.400.410.410.420.430.440.430.460.470.480.490.500.510.520.530.530.540.550.500.530.510.560.580.570.570.590.600.580.600.470.600.590.600.600.520.590.580.450.380.680.200.400.400.410.410.420.440.410.400.400.400.420.420.460.450.430.470.470.460.380.480.510.470.500.500.500.480.510.440.540.510.450.520.540.530.590.630.620.610.620.660.650.620.390.760.880.710.810.730.720.690.600.710.760.740.730.680.710.590.640.710.700.690.760.850.920.910.890.95-
Surprise0.00%-6.67%-3.03%0.00%0.00%0.00%0.00%0.00%2.86%2.78%5.41%0.00%2.56%0.00%2.50%0.00%0.00%0.00%0.00%-2.27%2.22%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-1.96%1.92%-7.27%0.00%1.75%0.00%-1.72%0.00%0.00%-4.92%0.00%-24.19%0.00%-1.67%0.00%0.00%-13.33%3.51%3.57%-2.17%-20.83%70.00%-16.67%-2.44%8.11%2.50%2.50%5.00%10.00%2.50%0.00%-6.98%-9.09%-4.55%-4.55%4.55%0.00%-2.27%6.82%4.44%4.55%-13.64%2.13%2.00%-9.62%2.04%0.00%0.00%-4.00%6.25%-10.20%3.85%2.00%-6.25%1.96%0.00%1.92%0.00%3.28%-1.59%0.00%1.64%3.13%3.17%1.64%-20.41%76.74%57.14%24.56%12.50%5.80%10.77%13.11%0.00%12.70%15.15%-5.13%-1.35%3.03%9.23%-11.94%-1.54%10.94%4.48%1.47%20.63%8.97%12.20%5.81%4.71%6.74%-
Timing----Pre-marketPre-marketPre-marketPre-marketPre-market---------Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap6.36B
Enterprise Value5.07B
Trailing P/E12.77
Forward P/E13.55
PEG Ratio1.95
Price / Sales5.09
Price / Book1.15
EPS3.66
Book Value40.33
Revenue (TTM)1.25B
Gross Profit (TTM)1.25B
Profit Margin41.20%
Operating Margin53.08%
Return on Equity9.47%
Return on Assets1.55%
Shares Outstanding136.21M
Shares Float132.55M
Beta0.72
Dividend Yield3.24%
Dividend Rate1.52
Payout Ratio41.42%

Analyst Ratings

Hold
Based on 6 analystsTarget 50.33
  • Buy
    1
  • Hold
    5

Ownership Breakdown

Institutions
77.04%
Insiders
2.21%
Retail / Other
20.75%

Top Institutional Holders

  • BlackRock Inc
    20.17M14.81%
  • State Street Corp
    7.97M5.86%
  • Dimensional Fund Advisors, Inc.
    7.69M5.65%
  • Vanguard Portfolio Management, LLC
    7.28M5.34%
  • Vanguard Capital Management, LLC
    6.34M4.66%
  • Earnest Partners LLC
    4.13M3.04%
  • Geode Capital Management, LLC
    3.94M2.90%
  • Victory Capital Management Inc.
    2.95M2.16%
  • AQR Capital Management LLC
    2.37M1.74%
  • Charles Schwab Investment Management Inc
    1.69M1.24%
  • Silvercrest Asset Management Group LLC
    1.66M1.22%
  • Northern Trust Corp
    1.65M1.21%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    4.80M3.53%
  • Vanguard MStar Total Stk Mkt Idx Invest
    4.37M3.21%
  • iShares Russell 2000 ETF
    3.52M2.59%
  • Vanguard Small Cap Index
    3.17M2.33%
  • iShares Select Dividend ETF
    2.95M2.17%
  • Vanguard MStar Small Cap Value Index
    2.01M1.48%
  • DFA US Small Cap Value I
    1.81M1.33%
  • Victory Sycamore Small Company Opp R
    1.65M1.21%

Dividends

20263×
0.38Sep 11, 20260.38Jun 12, 20260.38Mar 13, 2026
20254×
0.38Dec 12, 20250.37Sep 12, 20250.37Jun 13, 20250.37Mar 14, 2025
20244×
0.37Dec 13, 20240.37Sep 13, 20240.37Jun 14, 20240.37Mar 7, 2024
20234×
0.37Dec 7, 20230.36Sep 7, 20230.36Jun 8, 20230.36Mar 9, 2023
20224×
0.36Dec 8, 20220.36Sep 8, 20220.36Jun 9, 20220.36Mar 10, 2022
20214×
0.36Dec 1, 20210.35Sep 9, 20210.35Jun 10, 20210.35Mar 11, 2021
20201×
0.35Dec 10, 2020

Stock Splits

  • Mar 30, 19982:1
  • Feb 16, 19882:1