UNITED BANKSHARES INC (UBSI)
US9099071071 - Common Stock
Taking everything into account, UBSI scores 4 out of 10 in our fundamental rating. UBSI was compared to 411 industry peers in the Banks industry. UBSI has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBSI does not seem to be growing, but still is valued expensively. Finally UBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year UBSI was profitable.
In the past year UBSI had a positive cash flow from operations.
UBSI had positive earnings in each of the past 5 years.
UBSI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UBSI has a better Return On Assets (1.22%) than 78.83% of its industry peers.
With a Return On Equity value of 7.68%, UBSI is not doing good in the industry: 62.77% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 7.68% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.24%
ROE(3y)7.96%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 34.80%, UBSI belongs to the best of the industry, outperforming 89.05% of the companies in the same industry.
UBSI's Profit Margin has been stable in the last couple of years.
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) | 34.8% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.87%
PM growth 5Y-0.53%
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.
The number of shares outstanding for UBSI remains at a similar level compared to 1 year ago.
UBSI has more shares outstanding than it did 5 years ago.
UBSI has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UBSI is 1.12, which is an excellent value as it means it would take UBSI, only 1.12 years of fcf income to pay off all of its debts.
UBSI has a Debt to FCF ratio of 1.12. This is in the better half of the industry: UBSI outperforms 74.45% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that UBSI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, UBSI is in the better half of the industry, outperforming 76.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for UBSI have decreased by -3.56% in the last year.
Measured over the past 5 years, UBSI shows a small growth in Earnings Per Share. The EPS has been growing by 1.95% on average per year.
Looking at the last year, UBSI shows a small growth in Revenue. The Revenue has grown by 0.50% in the last year.
The Revenue has been growing slightly by 7.98% on average over the past years.
EPS 1Y (TTM)-3.56%
EPS 3Y4.87%
EPS 5Y1.95%
EPS growth Q2Q-20.27%
Revenue 1Y (TTM)0.5%
Revenue growth 3Y0.32%
Revenue growth 5Y7.98%
Revenue growth Q2Q-6.08%
3.2 Future
UBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.40% yearly.
The Revenue is expected to grow by 2.21% on average over the next years.
EPS Next Y-0.76%
EPS Next 2Y1.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.09%
Revenue Next 2Y2.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.31, which indicates a correct valuation of UBSI.
Based on the Price/Earnings ratio, UBSI is valued a bit more expensive than the industry average as 71.05% of the companies are valued more cheaply.
UBSI is valuated cheaply when we compare the Price/Earnings ratio to 24.92, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 12.40, UBSI is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UBSI indicates a slightly more expensive valuation: UBSI is more expensive than 63.50% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of UBSI to the average of the S&P500 Index (21.49), we can say UBSI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 12.4 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as UBSI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.3
EPS Next 2Y1.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.26%, UBSI is a good candidate for dividend investing.
UBSI's Dividend Yield is a higher than the industry average which is at 3.81.
UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
5.2 History
The dividend of UBSI has a limited annual growth rate of 0.95%.
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)0.95%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
53.15% 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.
DP53.15%
EPS Next 2Y1.4%
EPS Next 3YN/A
UNITED BANKSHARES INC
NASDAQ:UBSI (4/26/2024, 7:21:22 PM)
After market: 33.35 0 (0%)33.35
-0.01 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.50B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 12.4 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)6.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 7.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 34.8% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-3.56%
EPS 3Y4.87%
EPS 5Y
EPS growth Q2Q
EPS Next Y-0.76%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.5%
Revenue growth 3Y0.32%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y