UNITED BANKSHARES INC(NASDAQ:UBSI) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UBSI. UBSI was compared to 397 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 valied quite expensively at the moment, while it does show a decent growth rate. UBSI also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

UBSI had positive earnings in the past year.

UBSI had a positive operating cash flow in the past year.

In the past 5 years UBSI has always been profitable.

In the past 5 years UBSI always reported a positive cash flow from operatings.

1.2 Ratios

UBSI's Return On Assets of 1.24% is amongst the best of the industry. UBSI outperforms 81.61% of its industry peers.

The Return On Equity of UBSI (7.47%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	7.47%
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

The Profit Margin of UBSI (36.13%) is better than 92.95% of its industry peers.

In the last couple of years the Profit Margin of UBSI has remained more or less at the same level.

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)	36.13%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, UBSI has more shares outstanding

The number of shares outstanding for UBSI has been increased compared to 5 years ago.

Compared to 1 year ago, UBSI has an improved debt to assets ratio.

2.2 Solvency

UBSI has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.

UBSI has a Debt to FCF ratio of 1.05. This is in the better half of the industry: UBSI outperforms 71.28% of its industry peers.

A Debt/Equity ratio of 0.09 indicates that UBSI is not too dependend on debt financing.

UBSI has a better Debt to Equity ratio (0.09) than 73.80% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.05
Altman-Z	N/A

ROIC/WACCN/A

WACC14.44%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UBSI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.11%.

The Earnings Per Share has been growing slightly by 1.45% on average over the past years.

The Revenue has decreased by -1.97% in the past year.

The Revenue has been growing slightly by 7.22% on average over the past years.

EPS 1Y (TTM)1.11%

EPS 3Y-1.07%

EPS 5Y1.45%

EPS Q2Q%16.95%

Revenue 1Y (TTM)-1.97%

Revenue growth 3Y0.43%

Revenue growth 5Y7.22%

Sales Q2Q%-0.55%

3.2 Future

UBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.96% yearly.

UBSI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.30% yearly.

EPS Next Y5.64%

EPS Next 2Y6.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.57%

Revenue Next 2Y9.3%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.95, UBSI is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of UBSI is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 24.21, UBSI is valued a bit cheaper.

UBSI is valuated correctly with a Price/Forward Earnings ratio of 12.26.

Based on the Price/Forward Earnings ratio, UBSI is valued a bit more expensive than the industry average as 66.75% of the companies are valued more cheaply.

UBSI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.44.

		Industry Rank	Sector Rank
PE	12.95
Fwd PE	12.26

4.2 Price Multiples

UBSI's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.7
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.3

PEG (5Y)8.95

EPS Next 2Y6.96%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.13%, UBSI is a good candidate for dividend investing.

UBSI's Dividend Yield is a higher than the industry average which is at 3.44.

UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	4.13%

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 their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.75%

Div Incr Years34

Div Non Decr Years34

5.3 Sustainability

53.81% of the earnings are spent on dividend by UBSI. This is a bit on the high side, but may be sustainable.

UBSI's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP53.81%

EPS Next 2Y6.96%

EPS Next 3YN/A

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UNITED BANKSHARES INC

NASDAQ:UBSI (5/9/2025, 8:25:29 PM)

After market: 35.49 0 (0%)

35.49

-0.33 (-0.92%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/bmo

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners71.68%

Inst Owner Change-1.23%

Ins Owners2.02%

Ins Owner Change4.06%

Market Cap5.07B

Analysts73.33

Price Target40.12 (13.05%)

Short Float %2.07%

Short Ratio2.93

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.13%

Yearly Dividend1.49

Dividend Growth(5Y)1.75%

DP53.81%

Div Incr Years34

Div Non Decr Years34

Ex-Date03-14 2025-03-14 (0.37)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1.22%

Min EPS beat(2)0.01%

Max EPS beat(2)2.43%

EPS beat(4)3

Avg EPS beat(4)1.83%

Min EPS beat(4)-3.22%

Max EPS beat(4)8.09%

EPS beat(8)5

Avg EPS beat(8)0.02%

EPS beat(12)7

Avg EPS beat(12)1.15%

EPS beat(16)10

Avg EPS beat(16)1.9%

Revenue beat(2)0

Avg Revenue beat(2)-1.55%

Min Revenue beat(2)-2.11%

Max Revenue beat(2)-0.99%

Revenue beat(4)0

Avg Revenue beat(4)-2%

Min Revenue beat(4)-3.08%

Max Revenue beat(4)-0.99%

Revenue beat(8)1

Avg Revenue beat(8)-1.69%

Revenue beat(12)3

Avg Revenue beat(12)-1.38%

Revenue beat(16)5

Avg Revenue beat(16)-1.68%

PT rev (1m)-3.59%

PT rev (3m)-5.96%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.56%

EPS NY rev (1m)0.29%

EPS NY rev (3m)1.64%

Revenue NQ rev (1m)-0.08%

Revenue NQ rev (3m)2.19%

Revenue NY rev (1m)-0.17%

Revenue NY rev (3m)0.76%

Valuation

		Industry Rank	Sector Rank
PE	12.95
Fwd PE	12.26
P/S	4.91
P/FCF	11.7
P/OCF	11.38
P/B	1.02
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)2.74

EY7.72%

EPS(NY)2.89

Fwd EY8.16%

FCF(TTM)3.03

FCFY8.54%

OCF(TTM)3.12

OCFY8.78%

SpS7.22

BVpS34.94

TBVpS21.66

PEG (NY)2.3

PEG (5Y)8.95

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	7.47%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	36.13%
GM	N/A
FCFM	41.98%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.05
Debt/EBITDA	N/A
Cap/Depr	77.2%
Cap/Sales	1.17%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	116.17%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.44%

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)1.11%

EPS 3Y-1.07%

EPS 5Y1.45%

EPS Q2Q%16.95%

EPS Next Y5.64%

EPS Next 2Y6.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.97%

Revenue growth 3Y0.43%

Revenue growth 5Y7.22%

Sales Q2Q%-0.55%

Revenue Next Year12.57%

Revenue Next 2Y9.3%

Revenue Next 3YN/A

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 1Y2.31%

FCF growth 3Y-9.98%

FCF growth 5Y25.19%

OCF growth 1Y2.35%

OCF growth 3Y-9.92%

OCF growth 5Y23.99%

UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens