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United Bankshares, Inc. (UBSI)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

62

Price

$47.42

Market Cap

$6.51B

Part 1 · What the company is worth

Overview

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Balance Sheet & Liquidity

Revenue

$1.24B

Fiscal year ended 12/31/2025

Net Income

$465M

Fiscal year ended 12/31/2025

Free Cash Flow

$481M

Total Equity

$5.50B

Total Liabilities

$28.16B

Current Ratio

-

Interest Coverage

0.53

Debt/EBITDA

-

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

Growth grid

Growth — Revenue

Fair Value Estimation

BankFairly Valued

Fair Value

$45.04

Current Price

$47.42

Margin of Safety

-5.3%

Fair Value Range

$39.68 - $50.39

Estimation Methods

Analyst price target:$50.33
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$47.31
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$45.41
Dividend discount (Gordon):$33.87
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analyst Consensus:Buy (7B / 5H / 0S)
Last Earnings Surprise:+5.04%

Valuation Metrics

P/E Ratio

13.02

ROE

8.5%

P/B Ratio

1.18

P/FCF

12.19

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

8.9%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (14)

  • EPS shows upward trend
  • P/FCF 12.19
  • P/B Ratio 1.18
  • Operating Margin 47.2%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 9.4%
  • Revenue Growth 5Y 9.9%
  • Analyst Consensus 58% Buy
  • Earnings Surprise avg 5.3%
  • Earnings Quality (OCF/NI) 1.08
  • Piotroski F-Score 5/9

Failed (8)

  • EPS CAGR 2.93%
  • Price CAGR 0.33%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • PEG Ratio 2.04
  • Share Dilution 4.8%

Unavailable (6)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA
  • Net Margin Trend (invalid data)

Piotroski F-Score

5/9

Mixed signals: some areas need attention

score
criteria

Earnings Quality

1.08

High quality: earnings backed by cash

Share Dilution

4.8%

Issuing new shares, diluting ownership

Governance

Executive Team

NameTitleAge
Mr. Richard M. Adams Sr.Executive Chairman of the Board78
Mr. Richard Matthew Adams Jr., M.D.CEO & Director57
Mr. James J. Consagra Jr., CPAPresident64
Mr. W. Mark TattersonExecutive VP, CFO & Treasurer50
Mr. Darren K. WilliamsExecutive VP and Chief Information & Risk Officer53
Mr. Ross M. DraberExecutive VP & COO37
Mr. Matthew Lee HumphreyExecutive VP and Head of Wealth & Investment Management45
Ms. Ami Lee ShaverExecutive VP & Chief Human Resources Officer54
Mr. Douglas Bryon ErnestExecutive VP & Chief Credit Officer61
Mr. Charles J. MildrenExecutive VP & Chief Consumer Lending Officer53

Audit Risk

3

Board Risk

8

Compensation Risk

1

Shareholder Rights Risk

2

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for UBSI, sourced from Markets Gazette.

No recent news for UBSI.