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UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis

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

36.43  -0.33 (-0.9%)

After market: 36.43 0 (0%)

Fundamental Rating

4

Overall UBSI gets a fundamental rating of 4 out of 10. We evaluated UBSI against 395 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.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years UBSI has been profitable.
Each year in the past 5 years UBSI had a positive operating cash flow.
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

UBSI's Return On Assets of 1.13% is fine compared to the rest of the industry. UBSI outperforms 75.70% of its industry peers.
UBSI has a Return On Equity of 6.97%. This is in the lower half of the industry: UBSI underperforms 62.78% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 6.97%
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's Profit Margin of 34.72% is amongst the best of the industry. UBSI outperforms 90.63% 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) 34.72%
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

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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.
UBSI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UBSI has been reduced compared to a year ago.
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

UBSI has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.11, UBSI is doing good in the industry, outperforming 70.63% of the companies in the same industry.
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 better Debt to Equity ratio (0.09) than 73.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.52%
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

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5

3. Growth

3.1 Past

UBSI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.67%.
The Earnings Per Share has been growing slightly by 1.45% on average over the past years.
The Revenue has been growing slightly by 2.56% in the past year.
Measured over the past years, UBSI shows a small growth in Revenue. The Revenue has been growing by 7.22% on average per year.
EPS 1Y (TTM)2.67%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%-7.81%
Revenue 1Y (TTM)2.56%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%13.71%

3.2 Future

The Earnings Per Share is expected to grow by 9.05% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.95% on average over the next years. This is quite good.
EPS Next Y7.83%
EPS Next 2Y9.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.93%
Revenue Next 2Y9.95%
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

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3

4. Valuation

4.1 Price/Earnings Ratio

UBSI is valuated correctly with a Price/Earnings ratio of 13.54.
The rest of the industry has a similar Price/Earnings ratio as UBSI.
Compared to an average S&P500 Price/Earnings ratio of 26.92, UBSI is valued a bit cheaper.
UBSI is valuated reasonably with a Price/Forward Earnings ratio of 11.18.
UBSI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UBSI is more expensive than 64.56% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.49. UBSI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.54
Fwd PE 11.18
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

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 RankSector Rank
P/FCF 12.04
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.73
PEG (5Y)9.35
EPS Next 2Y9.05%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

UBSI has a Yearly Dividend Yield of 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.61, 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 2.44.
Industry RankSector Rank
Dividend Yield 4.03%

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
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 54.27% 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.
DP54.27%
EPS Next 2Y9.05%
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

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UNITED BANKSHARES INC

NASDAQ:UBSI (6/27/2025, 8:00:02 PM)

After market: 36.43 0 (0%)

36.43

-0.33 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners71.02%
Inst Owner Change0.3%
Ins Owners2.21%
Ins Owner Change4.12%
Market Cap5.18B
Analysts73.33
Price Target40.12 (10.13%)
Short Float %2.25%
Short Ratio4.18
Dividend
Industry RankSector Rank
Dividend Yield 4.03%
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP54.27%
Div Incr Years34
Div Non Decr Years34
Ex-Date06-13 2025-06-13 (0.37)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.33%
Min EPS beat(2)-8.67%
Max EPS beat(2)0.01%
EPS beat(4)3
Avg EPS beat(4)0.46%
Min EPS beat(4)-8.67%
Max EPS beat(4)8.09%
EPS beat(8)5
Avg EPS beat(8)-0.68%
EPS beat(12)7
Avg EPS beat(12)0.62%
EPS beat(16)9
Avg EPS beat(16)0.59%
Revenue beat(2)1
Avg Revenue beat(2)-0.33%
Min Revenue beat(2)-2.11%
Max Revenue beat(2)1.45%
Revenue beat(4)1
Avg Revenue beat(4)-0.87%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)1.45%
Revenue beat(8)2
Avg Revenue beat(8)-0.92%
Revenue beat(12)4
Avg Revenue beat(12)-0.85%
Revenue beat(16)5
Avg Revenue beat(16)-1.66%
PT rev (1m)0%
PT rev (3m)-7.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.45%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)3.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.2%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)2.27%
Valuation
Industry RankSector Rank
PE 13.54
Fwd PE 11.18
P/S 4.85
P/FCF 12.04
P/OCF 11.73
P/B 0.97
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)2.69
EY7.38%
EPS(NY)3.26
Fwd EY8.94%
FCF(TTM)3.03
FCFY8.31%
OCF(TTM)3.1
OCFY8.52%
SpS7.51
BVpS37.41
TBVpS22.89
PEG (NY)1.73
PEG (5Y)9.35
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 6.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.72%
GM N/A
FCFM 40.28%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 71.62%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.52%
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)2.67%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%-7.81%
EPS Next Y7.83%
EPS Next 2Y9.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.56%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%13.71%
Revenue Next Year14.93%
Revenue Next 2Y9.95%
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 1Y-25.71%
FCF growth 3Y-9.98%
FCF growth 5Y25.19%
OCF growth 1Y-25.92%
OCF growth 3Y-9.92%
OCF growth 5Y23.99%