United Bankshares, Inc. (UBSI)
NEUTRALFundamental
62
Kurs
$47.40
Marktkapitalisierung
$6.51B
Teil 1 · Was das Unternehmen wert ist
Übersicht
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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Bilanz & Liquidität
Umsatz
$1.24B
Geschäftsjahr zum 31.12.2025
Nettogewinn
$465M
Geschäftsjahr zum 31.12.2025
Freier Cashflow
$481M
Gesamtes Eigenkapital
$5.50B
Gesamtverbindlichkeiten
$28.16B
Current Ratio
-
Zinsdeckungsgrad
0.53
Schulden/EBITDA
-
Gewinn je Aktie
Umsatz & Nettogewinn
Freier Cashflow
Ertragsaufschlüsselung
Historische Aufstellung
Margen im Zeitverlauf
Verschuldung im Zeitverlauf
Wachstumsraster
Wachstum — Umsatz
Innerer-Wert-Schätzung
Innerer Wert
$45.04
Aktueller Kurs
$47.40
Sicherheitsmarge
-5.2%
Innerer-Wert-Spanne
$39.68 - $50.39
Bewertungsmethoden
Bewertungskennzahlen
P/E-Verhältnis
13.02
ROE
8.5%
P/B-Verhältnis
1.18
P/FCF
12.19
Bruttomarge
-
ROIC
-
Rentabilitäts-Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.9%
ROIC − WACC
-
Fundamentalanalyse-Kriterien
Bestanden (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
Nicht bestanden (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%
Nicht verfügbar (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-Score
Gemischte Signale: Einige Bereiche bedürfen Aufmerksamkeit
Gewinnqualität
Hohe Qualität: Gewinne durch Cashflow gedeckt
Aktienverwässerung
Neue Aktien werden ausgegeben, Eigentum wird verwässert
Unternehmensführung
Führungsteam
| Name | Position | Alter |
|---|---|---|
| Mr. Richard M. Adams Sr. | Executive Chairman of the Board | 78 |
| Mr. Richard Matthew Adams Jr., M.D. | CEO & Director | 57 |
| Mr. James J. Consagra Jr., CPA | President | 64 |
| Mr. W. Mark Tatterson | Executive VP, CFO & Treasurer | 50 |
| Mr. Darren K. Williams | Executive VP and Chief Information & Risk Officer | 53 |
| Mr. Ross M. Draber | Executive VP & COO | 37 |
| Mr. Matthew Lee Humphrey | Executive VP and Head of Wealth & Investment Management | 45 |
| Ms. Ami Lee Shaver | Executive VP & Chief Human Resources Officer | 54 |
| Mr. Douglas Bryon Ernest | Executive VP & Chief Credit Officer | 61 |
| Mr. Charles J. Mildren | Executive VP & Chief Consumer Lending Officer | 53 |
Prüfungsrisiko
3
Vorstandsrisiko
8
Vergütungsrisiko
1
Aktionärsrechterisiko
2
Teil 2 · Der Preis und der Einstiegszeitpunkt
Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.