UBSI Fundamental Analysis - UNITED BANKSHARES INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UBSI. UBSI was compared to 391 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. UBSI also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

UBSI had positive earnings in the past year.

In the past year UBSI had a positive cash flow from operations.

Each year in the past 5 years UBSI has been profitable.

In the past 5 years UBSI always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.20%, UBSI is in the better half of the industry, outperforming 79.03% of the companies in the same industry.

UBSI has a Return On Equity (7.36%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	1.2%
ROE	7.36%
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

UBSI has a better Profit Margin (35.33%) than 92.33% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	35.33%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

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.

2.2 Solvency

UBSI has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.

UBSI has a better Debt to FCF ratio (1.01) than 68.80% of its industry peers.

A Debt/Equity ratio of 0.09 indicates that UBSI is not too dependend on debt financing.

UBSI has a better Debt to Equity ratio (0.09) than 73.40% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.01
Altman-Z	N/A

ROIC/WACCN/A

WACC14.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UBSI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.79%.

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 8.07%.

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)6.79%

EPS 3Y-1.07%

EPS 5Y1.45%

EPS Q2Q%19.72%

Revenue 1Y (TTM)8.07%

Revenue growth 3Y0.43%

Revenue growth 5Y7.22%

Sales Q2Q%19.56%

3.2 Future

UBSI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.27% yearly.

Based on estimates for the next years, UBSI will show a quite strong growth in Revenue. The Revenue will grow by 10.42% on average per year.

EPS Next Y14.41%

EPS Next 2Y10.27%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year16.92%

Revenue Next 2Y10.42%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.39, which indicates a correct valuation of UBSI.

The rest of the industry has a similar Price/Earnings ratio as UBSI.

UBSI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.

The Price/Forward Earnings ratio is 10.52, which indicates a very decent valuation of UBSI.

The rest of the industry has a similar Price/Forward Earnings ratio as UBSI.

UBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	10.52

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	10.87
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.86

PEG (5Y)8.56

EPS Next 2Y10.27%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

UBSI has a Yearly Dividend Yield of 4.00%.

UBSI's Dividend Yield is a higher than the industry average which is at 3.56.

Compared to an average S&P500 Dividend Yield of 2.38, UBSI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4%

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

51.74% 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.

DP51.74%

EPS Next 2Y10.27%

EPS Next 3YN/A

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UNITED BANKSHARES INC

NASDAQ:UBSI (10/17/2025, 1:18:01 PM)

35.05

+0.74 (+2.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners73.97%

Inst Owner Change-0.01%

Ins Owners2.21%

Ins Owner Change0%

Market Cap4.96B

Analysts73.33

Price Target40.97 (16.89%)

Short Float %2.42%

Short Ratio5.26

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4%

Yearly Dividend1.49

Dividend Growth(5Y)1.75%

DP51.74%

Div Incr Years34

Div Non Decr Years34

Ex-Date09-12 2025-09-12 (0.37)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.37%

Min EPS beat(2)-8.67%

Max EPS beat(2)9.41%

EPS beat(4)3

Avg EPS beat(4)0.79%

Min EPS beat(4)-8.67%

Max EPS beat(4)9.41%

EPS beat(8)5

Avg EPS beat(8)0.43%

EPS beat(12)7

Avg EPS beat(12)0.48%

EPS beat(16)9

Avg EPS beat(16)1.09%

Revenue beat(2)2

Avg Revenue beat(2)1.31%

Min Revenue beat(2)1.17%

Max Revenue beat(2)1.45%

Revenue beat(4)2

Avg Revenue beat(4)-0.12%

Min Revenue beat(4)-2.11%

Max Revenue beat(4)1.45%

Revenue beat(8)3

Avg Revenue beat(8)-0.68%

Revenue beat(12)4

Avg Revenue beat(12)-0.87%

Revenue beat(16)6

Avg Revenue beat(16)-1.17%

PT rev (1m)0%

PT rev (3m)2.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.03%

EPS NY rev (1m)1.15%

EPS NY rev (3m)6.04%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.27%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.73%

Valuation

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	10.52
P/S	4.44
P/FCF	10.87
P/OCF	10.58
P/B	0.93
P/tB	1.5
EV/EBITDA	N/A

EPS(TTM)2.83

EY8.07%

EPS(NY)3.33

Fwd EY9.51%

FCF(TTM)3.22

FCFY9.2%

OCF(TTM)3.31

OCFY9.45%

SpS7.89

BVpS37.87

TBVpS23.36

PEG (NY)0.86

PEG (5Y)8.56

Profitability

		Industry Rank	Sector Rank
ROA	1.2%
ROE	7.36%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	35.33%
GM	N/A
FCFM	40.89%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.01
Debt/EBITDA	N/A
Cap/Depr	79.22%
Cap/Sales	1.11%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	115.73%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC14.37%

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)6.79%

EPS 3Y-1.07%

EPS 5Y1.45%

EPS Q2Q%19.72%

EPS Next Y14.41%

EPS Next 2Y10.27%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.07%

Revenue growth 3Y0.43%

Revenue growth 5Y7.22%

Sales Q2Q%19.56%

Revenue Next Year16.92%

Revenue Next 2Y10.42%

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 1Y4.67%

FCF growth 3Y-9.98%

FCF growth 5Y25.19%

OCF growth 1Y3.38%

OCF growth 3Y-9.92%

OCF growth 5Y23.99%

UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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