40.04 USD
+0.1 (+0.25%)
40.04 USD
0 (0%)
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. UBSI has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBSI has a decent growth rate and is not valued too expensively. UBSI also has an excellent dividend rating.
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.
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.
1.2 Ratios
UBSI's Return On Assets of 1.29% is amongst the best of the industry. UBSI outperforms 81.96% of its industry peers.
UBSI's Return On Equity of 7.90% is in line compared to the rest of the industry. UBSI outperforms 40.98% 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
UBSI has a Profit Margin of 36.50%. This is amongst the best in the industry. UBSI outperforms 93.30% of its industry peers.
UBSI's Profit Margin has been stable in the last couple of years.
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.
UBSI has more shares outstanding than it did 1 year ago.
UBSI has more shares outstanding than it did 5 years ago.
UBSI has a better debt/assets ratio than last year.
2.2 Solvency
UBSI has a debt to FCF ratio of 0.94. This is a very positive value and a sign of high solvency as it would only need 0.94 years to pay back of 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 68.56% of the companies in the same industry.
UBSI has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
UBSI has a better Debt to Equity ratio (0.08) than 71.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.53% over the past year.
The Earnings Per Share has been growing slightly by 1.45% on average over the past years.
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
The Earnings Per Share is expected to grow by 10.38% on average over the next years. This is quite good.
UBSI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.02% yearly.
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
Based on the Price/Earnings ratio of 13.13, the valuation of UBSI can be described as correct.
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 26.61.
Based on the Price/Forward Earnings ratio of 11.57, the valuation of UBSI can be described as reasonable.
UBSI's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.01. UBSI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.57 |
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 | 11.68 | ||
| 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)0.64
PEG (5Y)9.07
EPS Next 2Y12.4%
EPS Next 3Y10.38%
5. Dividend
5.1 Amount
UBSI has a Yearly Dividend Yield of 3.79%.
UBSI's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, UBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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.
The dividend of UBSI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.05%
EPS Next 2Y12.4%
EPS Next 3Y10.38%
40.04
+0.1 (+0.25%)
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 Change0.12%
Market Cap5.62B
Revenue(TTM)1.18B
Net Income(TTM)430.18M
Analysts76.36
Price Target41.72 (4.2%)
Short Float %2.85%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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)0.07%
Revenue NQ rev (3m)1.51%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)1.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.57 | ||
| P/S | 4.77 | ||
| P/FCF | 11.68 | ||
| P/OCF | 11.33 | ||
| P/B | 1.03 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.05
EY7.62%
EPS(NY)3.46
Fwd EY8.65%
FCF(TTM)3.43
FCFY8.56%
OCF(TTM)3.53
OCFY8.83%
SpS8.39
BVpS38.78
TBVpS24.16
PEG (NY)0.64
PEG (5Y)9.07
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
WACC13.85%
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 13.13 and the Price/Book (PB) ratio is 1.03.
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.