UNITED BANKSHARES INC (UBSI) Fundamental Analysis & Valuation

NASDAQ:UBSI • US9099071071

Current stock price

40.67 USD
-0.41 (-1%)
Last:

This UBSI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UBSI Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • The Return On Assets of UBSI (1.38%) is better than 84.74% of its industry peers.
  • With a Return On Equity value of 8.45%, UBSI perfoms like the industry average, outperforming 41.32% of the companies in the same industry.
Industry RankSector Rank
ROA 1.38%
ROE 8.45%
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
UBSI Yearly ROA, ROE, ROICUBSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With an excellent Profit Margin value of 37.62%, UBSI belongs to the best of the industry, outperforming 92.63% 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 RankSector Rank
OM N/A
PM (TTM) 37.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.26%
PM growth 5Y6.3%
GM growth 3YN/A
GM growth 5YN/A
UBSI Yearly Profit, Operating, Gross MarginsUBSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UBSI Health Analysis

2.1 Basic Checks

  • UBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UBSI has been increased compared to 1 year ago.
  • Compared to 5 years ago, UBSI has more shares outstanding
  • UBSI has a better debt/assets ratio than last year.
UBSI Yearly Shares OutstandingUBSI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
UBSI Yearly Total Debt VS Total AssetsUBSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • UBSI has a debt to FCF ratio of 1.00. This is a very positive value and a sign of high solvency as it would only need 1.00 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.00, UBSI is doing good in the industry, outperforming 69.21% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that UBSI is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.09, UBSI is doing good in the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1
Altman-Z N/A
ROIC/WACCN/A
WACC15.17%
UBSI Yearly LT Debt VS Equity VS FCFUBSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UBSI Growth Analysis

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 19.64% in the last year.
  • UBSI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.44% yearly.
EPS 1Y (TTM)19.34%
EPS 3Y5.18%
EPS 5Y6.83%
EPS Q2Q%31.88%
Revenue 1Y (TTM)19.64%
Revenue growth 3Y5.63%
Revenue growth 5Y3.44%
Sales Q2Q%21.86%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.16% on average over the next years. This is quite good.
  • Based on estimates for the next years, UBSI will show a small growth in Revenue. The Revenue will grow by 5.47% on average per year.
EPS Next Y9.73%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.58%
Revenue Next 2Y5.47%
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.
  • 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.
UBSI Yearly Revenue VS EstimatesUBSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
UBSI Yearly EPS VS EstimatesUBSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

4

4. UBSI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.44, 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 25.23.
  • Based on the Price/Forward Earnings ratio of 11.33, the valuation of UBSI can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UBSI indicates a slightly more expensive valuation: UBSI is more expensive than 61.84% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of UBSI to the average of the S&P500 Index (22.51), we can say UBSI is valued slightly cheaper.
Industry RankSector Rank
PE 12.44
Fwd PE 11.33
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

  • UBSI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.78
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)1.28
PEG (5Y)1.82
EPS Next 2Y8.16%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. UBSI Dividend Analysis

5.1 Amount

  • UBSI has a Yearly Dividend Yield of 3.85%.
  • UBSI's Dividend Yield is a higher than the industry average which is at 2.78.
  • UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.85%

5.2 History

  • The dividend of UBSI has a limited annual growth rate of 1.52%.
  • 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)1.52%
Div Incr Years34
Div Non Decr Years34
UBSI Yearly Dividends per shareUBSI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • UBSI pays out 44.99% 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.
DP44.99%
EPS Next 2Y8.16%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
UBSI Dividend Payout.UBSI Dividend Payout, showing the Payout Ratio.UBSI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UBSI Fundamentals: All Metrics, Ratios and Statistics

UNITED BANKSHARES INC

NASDAQ:UBSI (3/27/2026, 2:25:41 PM)

40.67

-0.41 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners72.83%
Inst Owner Change-1.35%
Ins Owners2.33%
Ins Owner Change2.84%
Market Cap5.67B
Revenue(TTM)1.23B
Net Income(TTM)464.60M
Analysts76.36
Price Target46.31 (13.87%)
Short Float %3.1%
Short Ratio4.57
Dividend
Industry RankSector Rank
Dividend Yield 3.85%
Yearly Dividend1.52
Dividend Growth(5Y)1.52%
DP44.99%
Div Incr Years34
Div Non Decr Years34
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.72%
Min EPS beat(2)3.44%
Max EPS beat(2)10%
EPS beat(4)3
Avg EPS beat(4)3.54%
Min EPS beat(4)-8.67%
Max EPS beat(4)10%
EPS beat(8)6
Avg EPS beat(8)2.68%
EPS beat(12)8
Avg EPS beat(12)1.19%
EPS beat(16)10
Avg EPS beat(16)1.75%
Revenue beat(2)1
Avg Revenue beat(2)0.69%
Min Revenue beat(2)-0.85%
Max Revenue beat(2)2.23%
Revenue beat(4)3
Avg Revenue beat(4)1%
Min Revenue beat(4)-0.85%
Max Revenue beat(4)2.23%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.8%
Revenue beat(16)6
Avg Revenue beat(16)-0.79%
PT rev (1m)0.33%
PT rev (3m)11%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)3.84%
EPS NY rev (1m)-0.34%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)0.45%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)1.46%
Valuation
Industry RankSector Rank
PE 12.44
Fwd PE 11.33
P/S 4.59
P/FCF 11.78
P/OCF 11.37
P/B 1.03
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)3.27
EY8.04%
EPS(NY)3.59
Fwd EY8.82%
FCF(TTM)3.45
FCFY8.49%
OCF(TTM)3.58
OCFY8.8%
SpS8.86
BVpS39.42
TBVpS24.71
PEG (NY)1.28
PEG (5Y)1.82
Graham Number53.85
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 8.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.62%
GM N/A
FCFM 38.96%
ROA(3y)1.28%
ROA(5y)1.28%
ROE(3y)7.87%
ROE(5y)7.96%
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 3Y1.26%
PM growth 5Y6.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1
Debt/EBITDA N/A
Cap/Depr 105.36%
Cap/Sales 1.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.17%
ROIC/WACCN/A
Cap/Depr(3y)83.52%
Cap/Depr(5y)87.23%
Cap/Sales(3y)1.24%
Cap/Sales(5y)1.37%
Profit Quality(3y)111.79%
Profit Quality(5y)138.58%
High Growth Momentum
Growth
EPS 1Y (TTM)19.34%
EPS 3Y5.18%
EPS 5Y6.83%
EPS Q2Q%31.88%
EPS Next Y9.73%
EPS Next 2Y8.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.64%
Revenue growth 3Y5.63%
Revenue growth 5Y3.44%
Sales Q2Q%21.86%
Revenue Next Year5.58%
Revenue Next 2Y5.47%
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 1Y11.05%
FCF growth 3Y-13.52%
FCF growth 5Y31.71%
OCF growth 1Y12%
OCF growth 3Y-13.12%
OCF growth 5Y28.86%

UNITED BANKSHARES INC / UBSI Fundamental Analysis 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 44.99%.