41.61 USD
-1.14 (-2.67%)
UBSI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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 has a valuation in line with the averages, but on the other hand it scores bad on growth. UBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year UBSI was profitable.
- In the past year UBSI had a positive cash flow from operations.
- Of the past 5 years UBSI 4 years were profitable.
- Of the past 5 years UBSI 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of UBSI (1.29%) is better than 81.72% of its industry peers.
- The Return On Equity of UBSI (7.90%) is comparable to the rest of the 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
- With an excellent Profit Margin value of 36.50%, UBSI belongs to the best of the industry, outperforming 92.95% 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) | 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- UBSI's Debt to FCF ratio of 0.94 is fine compared to the rest of the industry. UBSI outperforms 68.41% of its industry peers.
- UBSI has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of UBSI (0.08) is better than 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UBSI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.34%, which is quite good.
- UBSI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.83% yearly.
EPS 1Y (TTM)19.34%
EPS 3Y5.18%
EPS 5Y6.83%
EPS Q2Q%31.88%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.86%
3.2 Future
- UBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.63% yearly.
- UBSI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.68% yearly.
EPS Next Y6.18%
EPS Next 2Y6.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.23%
Revenue Next 2Y4.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- UBSI is valuated correctly with a Price/Earnings ratio of 12.72.
- The rest of the industry has a similar Price/Earnings ratio as UBSI.
- The average S&P500 Price/Earnings ratio is at 27.30. UBSI is valued rather cheaply when compared to this.
- UBSI is valuated reasonably with a Price/Forward Earnings ratio of 11.98.
- UBSI's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.32, UBSI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 11.98 |
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 | 12.14 | ||
| 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)2.06
PEG (5Y)1.86
EPS Next 2Y6.63%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- UBSI has a Yearly Dividend Yield of 3.55%.
- UBSI's Dividend Yield is a higher than the industry average which is at 2.84.
- UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
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
- UBSI pays out 48.05% 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.
DP48.05%
EPS Next 2Y6.63%
EPS Next 3YN/A
UNITED BANKSHARES INC / UBSI FAQ
What is the ChartMill fundamental rating of UNITED BANKSHARES INC (UBSI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to UBSI.
What is the valuation status of UNITED BANKSHARES INC (UBSI) stock?
ChartMill assigns a valuation rating of 4 / 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 7 / 10 and the dividend payout ratio is 48.05%.