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United Bankshares, Inc. (UBSI)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fondamental

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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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

BankJustement valorisé

Juste valeur

$45.04

Prix actuel

$47.40

Marge de sécurité

-5.2%

Fourchette de juste valeur

$39.68 - $50.39

Méthodes d'estimation

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
Consensus des analystes:Acheter (7B / 5H / 0S)
Dernière surprise sur les résultats:+5.04%

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

5/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

1.08

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

4.8%

Émission de nouvelles actions, diluant la participation

Gouvernance

Équipe dirigeante

NomTitreÂge
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

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.

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