41.42 USD
+0.04 (+0.1%)
Taking everything into account, UBSI scores 4 out of 10 in our fundamental rating. UBSI was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of UBSI while its profitability can be described as average. UBSI is not valued too expensively and it also shows a decent growth rate. 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.
- Of the past 5 years UBSI 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.29%, UBSI belongs to the top of the industry, outperforming 81.72% of the companies in the same industry.
- 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)1.28%
ROA(5y)1.28%
ROE(3y)7.87%
ROE(5y)7.96%
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 92.95% of the companies in the same industry.
- UBSI's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for UBSI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.2%
PM growth 5Y6.26%
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.
- Compared to 1 year ago, UBSI has more shares outstanding
- Compared to 5 years ago, UBSI has more shares outstanding
- Compared to 1 year ago, UBSI has a worse 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.
- Looking at the Debt to FCF ratio, with a value of 0.94, UBSI is in the better half of the industry, outperforming 68.41% of the companies in the same industry.
- A Debt/Equity ratio of 0.08 indicates that UBSI is not too dependend on debt financing.
- UBSI has a better Debt to Equity ratio (0.08) 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
WACC13.77%
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 19.34% over the past year.
- Measured over the past 5 years, UBSI shows a small growth in Earnings Per Share. The EPS has been growing by 6.83% on average per year.
- Looking at the last year, UBSI shows a quite strong growth in Revenue. The Revenue has grown by 19.69% in the last year.
- The Revenue has been growing slightly by 3.48% on average over the past years.
EPS 1Y (TTM)19.34%
EPS 3Y5.18%
EPS 5Y6.83%
EPS Q2Q%31.88%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y5.7%
Revenue growth 5Y3.48%
Sales Q2Q%21.86%
3.2 Future
- The Earnings Per Share is expected to grow by 6.63% on average over the next years.
- The Revenue is expected to grow by 4.52% on average over the next years.
EPS Next Y6.18%
EPS Next 2Y6.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.31%
Revenue Next 2Y4.52%
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 stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.67, UBSI is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as UBSI.
- When comparing the Price/Earnings ratio of UBSI to the average of the S&P500 Index (27.25), we can say UBSI is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.93, which indicates a very decent valuation of UBSI.
- UBSI's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. UBSI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.93 |
4.2 Price Multiples
- UBSI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UBSI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.05
PEG (5Y)1.85
EPS Next 2Y6.63%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- UBSI has a Yearly Dividend Yield of 3.67%. 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 2.64.
- Compared to an average S&P500 Dividend Yield of 1.82, UBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
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 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%.