UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis
USA - NASDAQ:UBSI - US9099071071 - Common Stock
35.32 USD
-0.04 (-0.11%)
Taking everything into account, UBSI scores 5 out of 10 in our fundamental rating. UBSI was compared to 388 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 not valued too expensively and it also shows a decent growth rate. UBSI also has an excellent dividend rating.
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.
In the past 5 years UBSI has always been profitable.
In the past 5 years UBSI always reported a positive cash flow from operatings.
1.2 Ratios
UBSI has a better Return On Assets (1.20%) than 76.80% of its industry peers.
With a Return On Equity value of 7.36%, UBSI is not doing good in the industry: 61.60% of the companies in the same industry are doing better.
| 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
The Profit Margin of UBSI (35.33%) is better than 92.01% 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
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
The number of shares outstanding for UBSI has been increased compared to 5 years ago.
UBSI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UBSI is 1.01, which is an excellent value as it means it would take UBSI, only 1.01 years of fcf income to pay off all of its debts.
UBSI has a Debt to FCF ratio of 1.01. This is in the better half of the industry: UBSI outperforms 67.01% 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 72.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.3%
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 14.06%.
UBSI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.22% yearly.
EPS 1Y (TTM)15.53%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%31.43%
Revenue 1Y (TTM)14.06%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
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 10.13% yearly.
Based on estimates for the next years, UBSI will show a quite strong growth in Revenue. The Revenue will grow by 9.37% on average per year.
EPS Next Y20.31%
EPS Next 2Y11.75%
EPS Next 3Y10.13%
EPS Next 5YN/A
Revenue Next Year18.24%
Revenue Next 2Y11.23%
Revenue Next 3Y9.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
UBSI is valuated reasonably with a Price/Earnings ratio of 11.58.
Compared to the rest of the industry, the Price/Earnings ratio of UBSI is on the same level as its industry peers.
UBSI is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.32 indicates a reasonable valuation of UBSI.
UBSI's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.98, UBSI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.32 |
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 | 10.95 | ||
| 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)0.57
PEG (5Y)8
EPS Next 2Y11.75%
EPS Next 3Y10.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, UBSI is a good candidate for dividend investing.
UBSI's Dividend Yield is a higher than the industry average which is at 3.39.
Compared to an average S&P500 Dividend Yield of 2.44, UBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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
5.3 Sustainability
UBSI pays out 51.74% 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.
DP51.74%
EPS Next 2Y11.75%
EPS Next 3Y10.13%
NASDAQ:UBSI (11/19/2025, 2:58:24 PM)
35.32
-0.04 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.97%
Inst Owner Change-2.23%
Ins Owners2.21%
Ins Owner Change0%
Market Cap5.00B
Revenue(TTM)1.18B
Net Income(TTM)394.70M
Analysts76.36
Price Target41.72 (18.12%)
Short Float %2.89%
Short Ratio5.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP51.74%
Div Incr Years34
Div Non Decr Years34
Ex-Date
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)1.83%
PT rev (3m)1.83%
EPS NQ rev (1m)-0.55%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)5.15%
EPS NY rev (3m)11.5%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)1.13%
Revenue NY rev (3m)2.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.32 | ||
| P/S | 4.48 | ||
| P/FCF | 10.95 | ||
| P/OCF | 10.66 | ||
| P/B | 0.93 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.05
EY8.64%
EPS(NY)3.42
Fwd EY9.69%
FCF(TTM)3.22
FCFY9.13%
OCF(TTM)3.31
OCFY9.38%
SpS7.89
BVpS37.87
TBVpS23.36
PEG (NY)0.57
PEG (5Y)8
Graham Number50.98
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
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 Turnover0.03
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
WACC14.3%
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 Y20.31%
EPS Next 2Y11.75%
EPS Next 3Y10.13%
EPS Next 5YN/A
Revenue 1Y (TTM)14.06%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%23.31%
Revenue Next Year18.24%
Revenue Next 2Y11.23%
Revenue Next 3Y9.37%
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 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 11.58 and the Price/Book (PB) ratio is 0.93.
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 20.31% in the next year.