40.48 USD
+1.2 (+3.05%)
40.48 USD
0 (0%)
Taking everything into account, UBSI scores 5 out of 10 in our fundamental rating. UBSI was compared to 387 industry peers in the Banks industry. While UBSI is still in line with the averages on profitability rating, there are concerns on its financial health. UBSI is not valued too expensively and it also shows a decent growth rate. Finally UBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UBSI had positive earnings in the past year.
In the past year UBSI had a positive cash flow from operations.
In the past 5 years UBSI has always been profitable.
UBSI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UBSI has a better Return On Assets (1.29%) than 81.91% of its industry peers.
Looking at the Return On Equity, with a value of 7.90%, UBSI is in line with its industry, outperforming 40.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 7.9% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.22%
ROE(3y)7.85%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 36.50%, UBSI belongs to the top of the industry, outperforming 93.02% of the companies in the same industry.
UBSI's Profit Margin has been stable in the last couple of years.
UBSI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.05%
PM growth 5Y0.24%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
UBSI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UBSI has more shares outstanding
Compared to 1 year ago, UBSI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UBSI is 0.94, which is an excellent value as it means it would take UBSI, only 0.94 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UBSI (0.94) is better than 68.22% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that UBSI is not too dependend on debt financing.
The Debt to Equity ratio of UBSI (0.08) is better than 72.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.53% over the past year.
UBSI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.45% yearly.
The Revenue has grown by 14.00% in the past year. This is quite good.
The Revenue has been growing slightly by 7.22% on average over the past years.
EPS 1Y (TTM)15.53%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%31.43%
Revenue 1Y (TTM)14%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
3.2 Future
The Earnings Per Share is expected to grow by 10.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.10% on average over the next years. This is quite good.
EPS Next Y21.36%
EPS Next 2Y12.57%
EPS Next 3Y10.71%
EPS Next 5YN/A
Revenue Next Year18.53%
Revenue Next 2Y11.15%
Revenue Next 3Y9.1%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.27, UBSI is valued correctly.
UBSI's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of UBSI to the average of the S&P500 Index (27.00), we can say UBSI is valued rather cheaply.
UBSI is valuated reasonably with a Price/Forward Earnings ratio of 11.66.
UBSI's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.70. UBSI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.27 | ||
| Fwd PE | 11.66 |
4.2 Price Multiples
UBSI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UBSI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.62
PEG (5Y)9.17
EPS Next 2Y12.57%
EPS Next 3Y10.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.96%, UBSI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, UBSI pays a better dividend. On top of this UBSI pays more dividend than 80.62% of the companies listed in the same industry.
UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
5.2 History
The dividend of UBSI has a limited annual growth rate of 1.75%.
UBSI has been paying a dividend for at least 10 years, so it has a reliable track record.
UBSI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.75%
Div Incr Years34
Div Non Decr Years34
5.3 Sustainability
48.05% of the earnings are spent on dividend by UBSI. This is a bit on the high side, but may be sustainable.
The dividend of UBSI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.05%
EPS Next 2Y12.57%
EPS Next 3Y10.71%
40.48
+1.2 (+3.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.91%
Inst Owner Change0%
Ins Owners2.24%
Ins Owner Change0.12%
Market Cap5.68B
Revenue(TTM)1.18B
Net Income(TTM)430.18M
Analysts76.36
Price Target41.72 (3.06%)
Short Float %2.9%
Short Ratio5.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP48.05%
Div Incr Years34
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.7%
Min EPS beat(2)9.41%
Max EPS beat(2)10%
EPS beat(4)3
Avg EPS beat(4)2.69%
Min EPS beat(4)-8.67%
Max EPS beat(4)10%
EPS beat(8)5
Avg EPS beat(8)0.79%
EPS beat(12)7
Avg EPS beat(12)0.28%
EPS beat(16)9
Avg EPS beat(16)1.37%
Revenue beat(2)2
Avg Revenue beat(2)1.7%
Min Revenue beat(2)1.17%
Max Revenue beat(2)2.23%
Revenue beat(4)3
Avg Revenue beat(4)0.68%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)2.23%
Revenue beat(8)3
Avg Revenue beat(8)-0.44%
Revenue beat(12)4
Avg Revenue beat(12)-0.81%
Revenue beat(16)6
Avg Revenue beat(16)-1.05%
PT rev (1m)0%
PT rev (3m)1.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.63%
EPS NY rev (1m)0.74%
EPS NY rev (3m)6.07%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)1.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.27 | ||
| Fwd PE | 11.66 | ||
| P/S | 4.82 | ||
| P/FCF | 11.81 | ||
| P/OCF | 11.45 | ||
| P/B | 1.04 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.05
EY7.53%
EPS(NY)3.47
Fwd EY8.58%
FCF(TTM)3.43
FCFY8.47%
OCF(TTM)3.53
OCFY8.73%
SpS8.39
BVpS38.78
TBVpS24.16
PEG (NY)0.62
PEG (5Y)9.17
Graham Number51.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 7.9% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 36.5% | ||
| GM | N/A | ||
| FCFM | 40.83% |
ROA(3y)1.25%
ROA(5y)1.22%
ROE(3y)7.85%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.05%
PM growth 5Y0.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 96.02% | ||
| Cap/Sales | 1.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.82%
ROIC/WACCN/A
Cap/Depr(3y)79.35%
Cap/Depr(5y)94.31%
Cap/Sales(3y)1.3%
Cap/Sales(5y)1.45%
Profit Quality(3y)142.59%
Profit Quality(5y)126.27%
High Growth Momentum
Growth
EPS 1Y (TTM)15.53%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%31.43%
EPS Next Y21.36%
EPS Next 2Y12.57%
EPS Next 3Y10.71%
EPS Next 5YN/A
Revenue 1Y (TTM)14%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
Revenue Next Year18.53%
Revenue Next 2Y11.15%
Revenue Next 3Y9.1%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.45%
FCF growth 3Y-9.98%
FCF growth 5Y25.19%
OCF growth 1Y21.13%
OCF growth 3Y-9.92%
OCF growth 5Y23.99%
UNITED BANKSHARES INC / UBSI FAQ
What is the ChartMill fundamental rating of UNITED BANKSHARES INC (UBSI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to UBSI.
What is the valuation status of UNITED BANKSHARES INC (UBSI) stock?
ChartMill assigns a valuation rating of 5 / 10 to UNITED BANKSHARES INC (UBSI). This can be considered as Fairly Valued.
What is the profitability of UBSI stock?
UNITED BANKSHARES INC (UBSI) has a profitability rating of 4 / 10.
How financially healthy is UNITED BANKSHARES INC?
The financial health rating of UNITED BANKSHARES INC (UBSI) is 3 / 10.
How sustainable is the dividend of UNITED BANKSHARES INC (UBSI) stock?
The dividend rating of UNITED BANKSHARES INC (UBSI) is 8 / 10 and the dividend payout ratio is 48.05%.