(UBSI) United Bankshares - Ratings and Ratios

United Bankshares, Inc. (NASDAQ:UBSI) operates as a regional bank holding company, offering a diverse range of commercial and retail banking products and services across the United States. The company provides deposit services such as checking, savings, money market, and time deposits, as well as individual retirement accounts and demand deposits. Its lending portfolio includes commercial loans and leases for small to mid-size businesses, construction and real estate loans, personal loans, and home equity loans. Additionally, UBSI offers credit cards, trust services, asset management, and investment solutions. The bank also provides online and mobile banking services, as well as community banking initiatives like financial planning, mortgage banking, and brokerage services. Headquartered in Charleston, West Virginia, United Bankshares was founded in 1982 and has expanded its operations to serve markets in the Mid-Atlantic and Southeastern regions.

The company’s financial health is supported by its strong market capitalization of $4.94 billion and a price-to-book ratio of 0.99, indicating its stock is trading near book value. With a trailing P/E of 12.53 and a forward P/E of 13.55, UBSI reflects a moderate valuation relative to its earnings expectations. The price-to-sales ratio of 4.90 suggests a premium for its revenue generation capabilities. United Bankshares’ return on equity (RoE) stands at 7.47%, aligning with industry averages for regional banks. Its technical indicators show a last price of $34.09, with a 20-day simple moving average (SMA) of $33.20 and a 50-day SMA of $34.42, signaling recent price stability. The 200-day SMA of $36.66 indicates a longer-term downtrend, while the average true range (ATR) of 1.15 highlights moderate volatility.