United Bankshares, Inc. (UBSI)
NEUTRALFondamentale
62
Prezzo
$47.40
Capitalizzazione
$6.51B
Parte 1 · Quanto vale l'azienda
Panoramica
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.
Per questa società non c'è ancora una scheda redazionale
Concorrenti diretti
Con chi questa società si contende gli stessi clienti
Per questa società non c'è ancora una scheda redazionale
Per questa società non c'è ancora un elenco di concorrenti.
Stato Patrimoniale e Liquidità
Ricavi
$1.24B
Esercizio chiuso il 31/12/2025
Utile Netto
$465M
Esercizio chiuso il 31/12/2025
Free Cash Flow
$481M
Patrimonio Netto Totale
$5.50B
Passività Totali
$28.16B
Rapporto di Liquidità
-
Copertura Interessi
0.53
Debito/EBITDA
-
Utile per Azione
Ricavi e Utile Netto
Free Cash Flow
Scomposizione Ricavi
Prospetto storico
Margini nel tempo
Il debito nel tempo
Griglia della crescita
Crescita — Ricavi
Stima del Fair Value
Fair Value
$45.04
Prezzo Attuale
$47.40
Margine di Sicurezza
-5.2%
Range Fair Value
$39.68 - $50.39
Metodi di Stima
Metriche di Valutazione
Rapporto P/E
13.02
ROE
8.5%
Rapporto P/B
1.18
P/FCF
12.19
Margine Lordo
-
ROIC
-
Radar Redditività
Creazione di Valore (Vantaggio Competitivo)
ROIC
-
WACC
8.9%
ROIC − WACC
-
Criteri di Analisi Fondamentale
Superati (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
Non superati (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%
Non disponibili (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-Score
Segnali misti: alcune aree necessitano attenzione
Qualità degli Utili
Alta qualità: utili supportati da cash
Diluizione Azionaria
Emissione nuove azioni, diluizione proprietà
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| 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 |
Rischio Audit
3
Rischio CdA
8
Rischio Compensi
1
Rischio Diritti Azionisti
2
Parte 2 · Il prezzo e il momento d'ingresso
Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.
Ultime Notizie
Ultime notizie per UBSI, da Markets Gazette.