38.02 USD
-0.07 (-0.18%)
38.02 USD
0 (0%)
Taking everything into account, UBSI scores 5 out of 10 in our fundamental rating. UBSI was compared to 387 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 correct valuation and a medium growth rate. Finally 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.
UBSI had positive earnings in each of the past 5 years.
UBSI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.29%, UBSI belongs to the best of the industry, outperforming 82.43% of the companies in the same industry.
UBSI's Return On Equity of 7.90% is in line compared to the rest of the industry. UBSI outperforms 41.09% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 36.50%, UBSI belongs to the top of the industry, outperforming 93.28% 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.
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 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.
Compared to 1 year ago, UBSI has more shares outstanding
UBSI has more shares outstanding than it did 5 years ago.
UBSI has a better debt/assets ratio than last year.
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 68.22% 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 Debt to Equity ratio of 0.08. This is in the better half of the industry: UBSI outperforms 71.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.04%
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 15.53%, which is quite good.
UBSI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.45% yearly.
UBSI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.00%.
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)15.53%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%31.43%
Revenue 1Y (TTM)14%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
3.2 Future
Based on estimates for the next years, UBSI will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.38% on average per year.
The Revenue is expected to grow by 9.02% on average over the next years. This is quite good.
EPS Next Y20.46%
EPS Next 2Y12.4%
EPS Next 3Y10.38%
EPS Next 5YN/A
Revenue Next Year18.53%
Revenue Next 2Y11.06%
Revenue Next 3Y9.02%
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
With a Price/Earnings ratio of 12.47, UBSI is valued correctly.
UBSI's Price/Earnings ratio is in line with the industry average.
UBSI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
The Price/Forward Earnings ratio is 10.98, which indicates a very decent valuation of UBSI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UBSI is on the same level as its industry peers.
UBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.47 | ||
| Fwd PE | 10.98 |
4.2 Price Multiples
UBSI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UBSI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)8.61
EPS Next 2Y12.4%
EPS Next 3Y10.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.99%, UBSI has a reasonable but not impressive dividend return.
UBSI's Dividend Yield is rather good when compared to the industry average which is at 3.11. UBSI pays more dividend than 81.65% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, UBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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
5.3 Sustainability
48.05% of the earnings are spent on dividend by UBSI. 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 2Y12.4%
EPS Next 3Y10.38%
38.02
-0.07 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.93%
Inst Owner Change-2.41%
Ins Owners2.23%
Ins Owner Change0%
Market Cap5.34B
Revenue(TTM)1.18B
Net Income(TTM)430.18M
Analysts76.36
Price Target41.72 (9.73%)
Short Float %2.94%
Short Ratio5.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP48.05%
Div Incr Years34
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.7%
Min EPS beat(2)9.41%
Max EPS beat(2)10%
EPS beat(4)3
Avg EPS beat(4)2.69%
Min EPS beat(4)-8.67%
Max EPS beat(4)10%
EPS beat(8)5
Avg EPS beat(8)0.79%
EPS beat(12)7
Avg EPS beat(12)0.28%
EPS beat(16)9
Avg EPS beat(16)1.37%
Revenue beat(2)2
Avg Revenue beat(2)1.7%
Min Revenue beat(2)1.17%
Max Revenue beat(2)2.23%
Revenue beat(4)3
Avg Revenue beat(4)0.68%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)2.23%
Revenue beat(8)3
Avg Revenue beat(8)-0.44%
Revenue beat(12)4
Avg Revenue beat(12)-0.81%
Revenue beat(16)6
Avg Revenue beat(16)-1.05%
PT rev (1m)0%
PT rev (3m)1.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.63%
EPS NY rev (1m)0.13%
EPS NY rev (3m)6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.47 | ||
| Fwd PE | 10.98 | ||
| P/S | 4.53 | ||
| P/FCF | 11.1 | ||
| P/OCF | 10.76 | ||
| P/B | 0.98 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.05
EY8.02%
EPS(NY)3.46
Fwd EY9.11%
FCF(TTM)3.43
FCFY9.01%
OCF(TTM)3.53
OCFY9.3%
SpS8.39
BVpS38.78
TBVpS24.16
PEG (NY)0.61
PEG (5Y)8.61
Graham Number51.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 7.9% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 36.5% | ||
| GM | N/A | ||
| FCFM | 40.83% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 96.02% | ||
| Cap/Sales | 1.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.04%
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)15.53%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%31.43%
EPS Next Y20.46%
EPS Next 2Y12.4%
EPS Next 3Y10.38%
EPS Next 5YN/A
Revenue 1Y (TTM)14%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
Revenue Next Year18.53%
Revenue Next 2Y11.06%
Revenue Next 3Y9.02%
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 1Y21.45%
FCF growth 3Y-9.98%
FCF growth 5Y25.19%
OCF growth 1Y21.13%
OCF growth 3Y-9.92%
OCF growth 5Y23.99%
UNITED BANKSHARES INC / UBSI FAQ
What is the ChartMill fundamental rating of UNITED BANKSHARES INC (UBSI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to UBSI.
Can you provide the valuation status for UNITED BANKSHARES INC?
ChartMill assigns a valuation rating of 5 / 10 to UNITED BANKSHARES INC (UBSI). This can be considered as Fairly Valued.
How profitable is UNITED BANKSHARES INC (UBSI) stock?
UNITED BANKSHARES INC (UBSI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for UBSI stock?
The Price/Earnings (PE) ratio for UNITED BANKSHARES INC (UBSI) is 12.47 and the Price/Book (PB) ratio is 0.98.
What is the expected EPS growth for UNITED BANKSHARES INC (UBSI) stock?
The Earnings per Share (EPS) of UNITED BANKSHARES INC (UBSI) is expected to grow by 20.46% in the next year.