UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis
NASDAQ:UBSI - Nasdaq - US9099071071 - Common Stock - Currency: USD
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.
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.
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 Rank | Sector 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
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 Rank | Sector 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.98%
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 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.25 | ||
| Fwd PE | 10.94 |
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 | 11.78 | ||
| EV/EBITDA | N/A |
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
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 Rank | Sector 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
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
35.65
-0.07 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP54.27%
Div Incr Years34
Div Non Decr Years34
Ex-Date
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%