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UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis

NASDAQ:UBSI - Nasdaq - US9099071071 - Common Stock - Currency: USD

34.09  -0.37 (-1.07%)

After market: 34.09 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UBSI. UBSI was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of UBSI while its profitability can be described as average. While showing a medium growth rate, UBSI is valued expensive at the moment. UBSI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
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.
UBSI Yearly Net Income VS EBIT VS OCF VS FCFUBSI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

With an excellent Return On Assets value of 1.24%, UBSI belongs to the best of the industry, outperforming 81.66% of the companies in the same industry.
UBSI has a Return On Equity (7.47%) which is in line with its industry peers.
Industry RankSector 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
UBSI Yearly ROA, ROE, ROICUBSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

UBSI has a better Profit Margin (36.13%) than 92.96% 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 RankSector 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
UBSI Yearly Profit, Operating, Gross MarginsUBSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

3

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.
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.
UBSI Yearly Shares OutstandingUBSI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
UBSI Yearly Total Debt VS Total AssetsUBSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

The Debt to FCF ratio of UBSI is 1.05, which is an excellent value as it means it would take UBSI, only 1.05 years of fcf income to pay off all of its debts.
UBSI has a better Debt to FCF ratio (1.05) than 71.11% 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.
Looking at the Debt to Equity ratio, with a value of 0.09, UBSI is in the better half of the industry, outperforming 73.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC14.53%
UBSI Yearly LT Debt VS Equity VS FCFUBSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UBSI Yearly Current Assets VS Current LiabilitesUBSI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

5

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%.
Measured over the past 5 years, UBSI shows a small growth in Earnings Per Share. The EPS has been growing by 1.45% on average per year.
The Revenue has decreased by -1.97% in the past 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)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.
UBSI Yearly Revenue VS EstimatesUBSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
UBSI Yearly EPS VS EstimatesUBSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.44, which indicates a correct valuation of UBSI.
The rest of the industry has a similar Price/Earnings ratio as UBSI.
Compared to an average S&P500 Price/Earnings ratio of 28.79, UBSI is valued rather cheaply.
UBSI is valuated reasonably with a Price/Forward Earnings ratio of 11.78.
Based on the Price/Forward Earnings ratio, UBSI is valued a bit more expensive than the industry average as 64.57% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 21.38. UBSI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.44
Fwd PE 11.78
UBSI Price Earnings VS Forward Price EarningsUBSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UBSI.
Industry RankSector Rank
P/FCF 11.29
EV/EBITDA N/A
UBSI Per share dataUBSI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)2.21
PEG (5Y)8.59
EPS Next 2Y6.96%
EPS Next 3YN/A

8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.29%, UBSI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, UBSI pays a bit more dividend than its industry peers.
UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.
Industry RankSector Rank
Dividend Yield 4.29%

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 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
UBSI Yearly Dividends per shareUBSI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

UBSI pays out 53.81% of its income as dividend. 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.
DP53.81%
EPS Next 2Y6.96%
EPS Next 3YN/A
UBSI Yearly Income VS Free CF VS DividendUBSI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UBSI Dividend Payout.UBSI Dividend Payout, showing the Payout Ratio.UBSI Dividend Payout.PayoutRetained Earnings

UNITED BANKSHARES INC

NASDAQ:UBSI (4/25/2025, 8:00:01 PM)

After market: 34.09 0 (0%)

34.09

-0.37 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners71.68%
Inst Owner Change-35.47%
Ins Owners2.02%
Ins Owner Change4.06%
Market Cap4.89B
Analysts73.33
Price Target41.06 (20.45%)
Short Float %1.79%
Short Ratio2.55
Dividend
Industry RankSector Rank
Dividend Yield 4.29%
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)-5.07%
PT rev (3m)-5.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.33%
EPS NY rev (1m)0.29%
EPS NY rev (3m)1.82%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)1.92%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.76%
Valuation
Industry RankSector Rank
PE 12.44
Fwd PE 11.78
P/S 4.74
P/FCF 11.29
P/OCF 10.98
P/B 0.98
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)2.74
EY8.04%
EPS(NY)2.89
Fwd EY8.49%
FCF(TTM)3.02
FCFY8.86%
OCF(TTM)3.1
OCFY9.11%
SpS7.2
BVpS34.8
TBVpS21.58
PEG (NY)2.21
PEG (5Y)8.59
Profitability
Industry RankSector 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 RankSector 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
WACC14.53%
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%