United Bankshares, Inc. (UBSI)
NEUTRALFundamental
62
मूल्य
$47.40
मार्केट कैप
$6.51B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
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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बैलेंस शीट और तरलता
राजस्व
$1.24B
31/12/2025 को समाप्त वित्त वर्ष
शुद्ध आय
$465M
31/12/2025 को समाप्त वित्त वर्ष
Free Cash Flow
$481M
कुल इक्विटी
$5.50B
कुल देनदारियाँ
$28.16B
Current Ratio
-
Interest Coverage
0.53
Debt/EBITDA
-
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$45.04
वर्तमान मूल्य
$47.40
Margin of Safety
-5.2%
Fair Value सीमा
$39.68 - $50.39
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
13.02
ROE
8.5%
P/B Ratio
1.18
P/FCF
12.19
Gross Margin
-
ROIC
-
लाभप्रदता Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.9%
ROIC − WACC
-
Fundamental विश्लेषण मानदंड
पास (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
फेल (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%
अनुपलब्ध (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-Score
मिश्रित संकेत: कुछ क्षेत्रों पर ध्यान देना आवश्यक
Earnings गुणवत्ता
उच्च गुणवत्ता: earnings नकदी द्वारा समर्थित
शेयर Dilution
नए शेयर जारी कर रही है, स्वामित्व को कम कर रही है
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| 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 |
Audit जोखिम
3
बोर्ड जोखिम
8
मुआवजा जोखिम
1
शेयरधारक अधिकार जोखिम
2
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.