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United Bankshares, Inc. (UBSI)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

基本面

62

价格

$47.40

市值

$6.51B

第一部分 · 这家公司值多少

概览

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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No competitor list for this company yet.

资产负债表与流动性

营收

$1.24B

截至2025/12/31的财政年度

净利润

$465M

截至2025/12/31的财政年度

自由现金流

$481M

股东权益合计

$5.50B

负债合计

$28.16B

流动比率

-

利息覆盖率

0.53

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$45.04

当前价格

$47.40

安全边际

-5.2%

公允价值区间

$39.68 - $50.39

估算方法

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
分析师共识:买入 (7B / 5H / 0S)
最近财报超预期:+5.04%

估值指标

市盈率(P/E)

13.02

ROE

8.5%

市净率(P/B)

1.18

P/FCF

12.19

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

8.9%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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%

不可用(6)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA
  • Net Margin Trend (invalid data)

Piotroski F-评分

5/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.08

高质量:盈利有现金流支撑

股权稀释

4.8%

正在发行新股,稀释所有权

公司治理

管理团队

姓名职位年龄
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

审计风险

3

董事会风险

8

薪酬风险

1

股东权利风险

2

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for UBSI, sourced from Markets Gazette.

No recent news for UBSI.