Logo image of UBSI

UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis

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

35.65  -0.07 (-0.2%)

After market: 35.65 0 (0%)

Fundamental Rating

4

UBSI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 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 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

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.
In the past 5 years UBSI has always been profitable.
UBSI had a positive operating cash flow in each of the past 5 years.
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 75.76% of its industry peers.
UBSI has a Return On Equity of 6.97%. This is in the lower half of the industry: UBSI underperforms 62.37% 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

The Profit Margin of UBSI (34.72%) is better than 90.91% 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

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.
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.
UBSI's Debt to FCF ratio of 1.11 is fine compared to the rest of the industry. UBSI outperforms 70.45% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that UBSI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.09, UBSI is in the better half of the industry, outperforming 73.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC15.98%
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

The Earnings Per Share has been growing slightly by 2.67% over the past year.
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 a small growth in Revenue. In the last year, the Revenue has grown by 2.56%.
UBSI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.22% yearly.
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.
Based on estimates for the next years, UBSI will show a quite strong growth in Revenue. The Revenue will grow by 9.82% on average per year.
EPS Next Y8.33%
EPS Next 2Y9.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.65%
Revenue Next 2Y9.82%
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

UBSI is valuated correctly with a Price/Earnings ratio of 13.25.
UBSI's Price/Earnings ratio is a bit more expensive when compared to the industry. UBSI is more expensive than 60.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.38, UBSI is valued a bit cheaper.
UBSI is valuated reasonably with a Price/Forward Earnings ratio of 10.94.
Based on the Price/Forward Earnings ratio, UBSI is valued a bit more expensive than 63.89% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UBSI to the average of the S&P500 Index (22.13), we can say UBSI is valued rather cheaply.
Industry RankSector Rank
PE 13.25
Fwd PE 10.94
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)1.59
PEG (5Y)9.15
EPS Next 2Y9.05%
EPS Next 3YN/A

8

5. Dividend

5.1 Amount

UBSI has a Yearly Dividend Yield of 4.07%, which is a nice return.
Compared to an average industry Dividend Yield of 3.46, UBSI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, UBSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.07%

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 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
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.
UBSI's earnings are growing more than its dividend. This makes the dividend growth 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

UNITED BANKSHARES INC

NASDAQ:UBSI (6/5/2025, 4:15:19 PM)

After market: 35.65 0 (0%)

35.65

-0.07 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners71.68%
Inst Owner Change0.3%
Ins Owners2.02%
Ins Owner Change4.09%
Market Cap5.06B
Analysts73.33
Price Target40.12 (12.54%)
Short Float %2.6%
Short Ratio4.2
Dividend
Industry RankSector Rank
Dividend Yield 4.07%
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)-2.28%
PT rev (3m)-7.23%
EPS NQ rev (1m)3.78%
EPS NQ rev (3m)7.22%
EPS NY rev (1m)2.55%
EPS NY rev (3m)3.96%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)2.35%
Revenue NY rev (1m)1.85%
Revenue NY rev (3m)2.02%
Valuation
Industry RankSector Rank
PE 13.25
Fwd PE 10.94
P/S 4.75
P/FCF 11.78
P/OCF 11.48
P/B 0.95
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)2.69
EY7.55%
EPS(NY)3.26
Fwd EY9.14%
FCF(TTM)3.03
FCFY8.49%
OCF(TTM)3.1
OCFY8.71%
SpS7.51
BVpS37.41
TBVpS22.89
PEG (NY)1.59
PEG (5Y)9.15
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
WACC15.98%
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 Y8.33%
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 Year14.65%
Revenue Next 2Y9.82%
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%