United Bankshares, Inc. (UBSI)
NEUTRALFondamental
62
Prix
$47.40
Capitalisation boursière
$6.51B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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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Bilan & Liquidités
Chiffre d'affaires
$1.24B
Exercice clos le 31/12/2025
Résultat net
$465M
Exercice clos le 31/12/2025
Flux de trésorerie libre
$481M
Capitaux propres totaux
$5.50B
Passif total
$28.16B
Ratio de liquidité général
-
Couverture des intérêts
0.53
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$45.04
Prix actuel
$47.40
Marge de sécurité
-5.2%
Fourchette de juste valeur
$39.68 - $50.39
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
13.02
ROE
8.5%
Ratio P/B
1.18
P/FCF
12.19
Marge brute
-
ROIC
-
Radar de rentabilité
Value Creation (Economic Moat)
ROIC
-
WACC
8.9%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (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
Échoué (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%
Indisponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Émission de nouvelles actions, diluant la participation
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 |
Risque d'audit
3
Risque du conseil
8
Risque de rémunération
1
Risque droits des actionnaires
2
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.