UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis
USA - NASDAQ:UBSI - US9099071071 - Common Stock
37.43 USD
-0.66 (-1.73%)
37.43 USD
0 (0%)
Taking everything into account, UBSI scores 4 out of 10 in our fundamental rating. UBSI was compared to 392 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.
UBSI had positive earnings in each of the past 5 years.
In the past 5 years UBSI always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.20%, UBSI is doing good in the industry, outperforming 79.08% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.36%, UBSI is in line with its industry, outperforming 42.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 7.36% | ||
| 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
With an excellent Profit Margin value of 35.33%, UBSI belongs to the best of the industry, outperforming 92.09% of the companies in the same industry.
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) | 35.33% | ||
| 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.
UBSI has more shares outstanding than it did 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 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
UBSI has a better Debt to FCF ratio (1.01) than 69.64% of its industry peers.
UBSI has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
UBSI has a Debt to Equity ratio of 0.09. This is in the better half of the industry: UBSI outperforms 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBSI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.79%.
The Earnings Per Share has been growing slightly by 1.45% on average over the past years.
Looking at the last year, UBSI shows a quite strong growth in Revenue. The Revenue has grown by 8.07% in the last year.
UBSI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.22% yearly.
EPS 1Y (TTM)6.79%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%19.72%
Revenue 1Y (TTM)8.07%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%19.56%
3.2 Future
UBSI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.13% yearly.
UBSI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.42% yearly.
EPS Next Y13.11%
EPS Next 2Y10.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.92%
Revenue Next 2Y10.42%
Revenue Next 3YN/A
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
UBSI is valuated correctly with a Price/Earnings ratio of 13.23.
UBSI's Price/Earnings is on the same level as the industry average.
UBSI is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.26, the valuation of UBSI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UBSI is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of UBSI to the average of the S&P500 Index (22.73), we can say UBSI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 11.26 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UBSI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UBSI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.01
PEG (5Y)9.14
EPS Next 2Y10.13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UBSI has a Yearly Dividend Yield of 3.89%. Purely for dividend investing, there may be better candidates out there.
UBSI's Dividend Yield is a higher than the industry average which is at 3.73.
UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
5.2 History
The dividend of UBSI has a limited annual growth rate of 1.75%.
UBSI has paid a dividend for at least 10 years, which is 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
UBSI pays out 51.74% of its income as dividend. 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.
DP51.74%
EPS Next 2Y10.13%
EPS Next 3YN/A
37.43
-0.66 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.28%
Inst Owner Change3.26%
Ins Owners2.21%
Ins Owner Change0.07%
Market Cap5.30B
Analysts73.33
Price Target40.97 (9.46%)
Short Float %2.28%
Short Ratio3.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP51.74%
Div Incr Years34
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.37%
Min EPS beat(2)-8.67%
Max EPS beat(2)9.41%
EPS beat(4)3
Avg EPS beat(4)0.79%
Min EPS beat(4)-8.67%
Max EPS beat(4)9.41%
EPS beat(8)5
Avg EPS beat(8)0.43%
EPS beat(12)7
Avg EPS beat(12)0.48%
EPS beat(16)9
Avg EPS beat(16)1.09%
Revenue beat(2)2
Avg Revenue beat(2)1.31%
Min Revenue beat(2)1.17%
Max Revenue beat(2)1.45%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)1.45%
Revenue beat(8)3
Avg Revenue beat(8)-0.68%
Revenue beat(12)4
Avg Revenue beat(12)-0.87%
Revenue beat(16)6
Avg Revenue beat(16)-1.17%
PT rev (1m)0%
PT rev (3m)2.12%
EPS NQ rev (1m)0.99%
EPS NQ rev (3m)6.03%
EPS NY rev (1m)4.83%
EPS NY rev (3m)4.41%
Revenue NQ rev (1m)1.14%
Revenue NQ rev (3m)2.35%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)1.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 11.26 | ||
| P/S | 4.75 | ||
| P/FCF | 11.61 | ||
| P/OCF | 11.3 | ||
| P/B | 0.99 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.83
EY7.56%
EPS(NY)3.32
Fwd EY8.88%
FCF(TTM)3.22
FCFY8.62%
OCF(TTM)3.31
OCFY8.85%
SpS7.89
BVpS37.87
TBVpS23.36
PEG (NY)1.01
PEG (5Y)9.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 7.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 35.33% | ||
| GM | N/A | ||
| FCFM | 40.89% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 79.22% | ||
| Cap/Sales | 1.11% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 115.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14%
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)6.79%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%19.72%
EPS Next Y13.11%
EPS Next 2Y10.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.07%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%19.56%
Revenue Next Year16.92%
Revenue Next 2Y10.42%
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 1Y4.67%
FCF growth 3Y-9.98%
FCF growth 5Y25.19%
OCF growth 1Y3.38%
OCF growth 3Y-9.92%
OCF growth 5Y23.99%