(UBSI) United Bankshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 5.862m USD | Total Return: 24.5% in 12m
Avg Turnover: 33.0M
EPS Trend: 73.3%
Qual. Beats: 1
Rev. Trend: 97.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
United Bankshares, Inc. (UBSI) is a financial holding company headquartered in Charleston, West Virginia, providing comprehensive commercial and retail banking services across the United States. The firm operates through a traditional community banking model, generating revenue primarily from net interest income on diverse loan portfolios-including commercial, real estate, and consumer lending-and fee-based services such as asset management and mortgage banking.
As a constituent of the regional banking sector, UBSI relies on a stable deposit base, including NOW and money market accounts, to fund its lending operations to small and mid-sized businesses. This business model is sensitive to interest rate fluctuations and regional economic health, which directly impact loan demand and credit quality. For a deeper look at these valuation drivers, you may want to examine UBSI on ValueRay.
The company further diversifies its income streams through fiduciary activities, offering investment management, financial planning, and real property title insurance. Incorporated in 1982, United Bankshares maintains a broad infrastructure of physical branches supported by digital banking platforms and automated teller services.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Strategic acquisitions of mid-Atlantic regional banks drive asset growth
- Commercial real estate loan concentration increases credit risk exposure
- Non-interest income growth from wealth management and mortgage banking services
- Operating efficiency ratios impacted by digital banking infrastructure investments
| Net Income: 504.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 291.5% < 20% (prev -1.43k%; Δ 1.72k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 539.8m > Net Income 504.5m |
| Net Debt (-4.63b) to EBITDA (639.2m): -7.24 < 3 |
| Current Ratio: 33.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (140.1m) vs 12m ago -1.83% < -2% |
| Gross Margin: 67.35% > 18% (prev 0.62%; Δ 6.67k% > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 5.04%; Δ 0.48% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBITDA TTM 639.2m / Interest Expense TTM 573.5m) |
| A: 0.16 (Total Current Assets 5.52b - Total Current Liabilities 166.2m) / Total Assets 33.7b |
| B: 0.07 (Retained Earnings 2.24b / Total Assets 33.7b) |
| C: 0.02 (EBIT TTM 639.2m / Avg Total Assets 33.2b) |
| D: 0.08 (Book Value of Equity 2.24b / Total Liabilities 28.2b) |
| Altman-Z'' = 1.47 = BB |
| DSRI: 0.89 (Receivables 109.5m/110.5m, Revenue 1.84b/1.65b) |
| GMI: 0.91 (GM 67.35% / 61.51%) |
| AQI: 0.92 (AQ_t 0.83 / AQ_t-1 0.90) |
| SGI: 1.11 (Revenue 1.84b / 1.65b) |
| TATA: -0.00 (NI 504.5m - CFO 539.8m) / TA 33.7b) |
| Beneish M = -3.16 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 43.09 with a total of 484,141 shares traded.
Over the past week, the price has changed by +3.57%,
over one month by -0.30%,
over three months by +2.69% and
over the past year by +24.54%.
United Bankshares has received a consensus analysts rating of 3.17. Therefore, it is recommended to hold UBSI.
- StrongBuy: 0
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 47.4 | 10% |
P/E Forward = 12.3762
P/S = 4.6878
P/B = 1.0485
P/EG = 1.9464
Revenue TTM = 1.84b USD
EBIT TTM = 639.2m USD
EBITDA TTM = 639.2m USD
Long Term Debt = 532.2m USD (from longTermDebt, last quarter)
Short Term Debt = 166.2m USD (from shortTermDebt, last quarter)
Debt = 886.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 93.9m
Net Debt = -4.63b USD (calculated: Debt 886.2m - CCE 5.52b)
Enterprise Value = 1.23b USD (5.86b + Debt 886.2m - CCE 5.52b)
Interest Coverage Ratio = 1.11 (Ebit TTM 639.2m / Interest Expense TTM 573.5m)
EV/FCF = 2.34x (Enterprise Value 1.23b / FCF TTM 526.9m)
FCF Yield = 42.80% (FCF TTM 526.9m / Enterprise Value 1.23b)
FCF Margin = 28.70% (FCF TTM 526.9m / Revenue TTM 1.84b)
Net Margin = 27.49% (Net Income TTM 504.5m / Revenue TTM 1.84b)
Gross Margin = 67.35% ((Revenue TTM 1.84b - Cost of Revenue TTM 599.3m) / Revenue TTM)
Gross Margin QoQ = 68.45% (prev 69.07%)
Tobins Q-Ratio = 0.04 (Enterprise Value 1.23b / Total Assets 33.7b)
Interest Expense / Debt = 64.71% (Interest Expense 573.5m / Debt 886.2m)
Taxrate = 20.38% (31.8m / 156.0m)
NOPAT = 509.0m (EBIT 639.2m * (1 - 20.38%))
Current Ratio = 33.20 (Total Current Assets 5.52b / Total Current Liabilities 166.2m)
Debt / Equity = 0.16 (Debt 886.2m / totalStockholderEquity, last quarter 5.49b)
Debt / EBITDA = -7.24 (Net Debt -4.63b / EBITDA 639.2m)
Debt / FCF = -8.79 (Net Debt -4.63b / FCF TTM 526.9m)
Total Stockholder Equity = 5.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 504.5m / Total Assets 33.7b)
RoE = 9.26% (Net Income TTM 504.5m / Total Stockholder Equity 5.45b)
RoCE = 10.69% (EBIT 639.2m / Capital Employed (Equity 5.45b + L.T.Debt 532.2m))
RoIC = 1.67% (NOPAT 509.0m / Invested Capital 30.5b)
WACC = 7.64% (E(5.86b)/V(6.75b) * Re(8.80%) + (debt cost/tax rate unavailable))
Discount Rate = 8.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 58.43 | Cagr: 1.66%
[DCF] Terminal Value 77.97% ; FCFF base≈488.1m ; Y1≈559.5m ; Y5≈823.4m
[DCF] Fair Price = 123.5 (EV 12.4b - Net Debt -4.63b = Equity 17.0b / Shares 137.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 73.35 | EPS CAGR: 8.85% | SUE: 0.86 | # QB: 1
Revenue Correlation: 97.62 | Revenue CAGR: 9.87% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.88 | Chg30d=+2.55% | Revisions=+50% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.92 | Chg30d=+2.69% | Revisions=+56% | Analysts=5
EPS current Year (2026-12-31): EPS=3.61 | Chg30d=+2.73% | Revisions=+56% | GrowthEPS=+8.0% | GrowthRev=+4.9%
EPS next Year (2027-12-31): EPS=3.79 | Chg30d=+1.17% | Revisions=+50% | GrowthEPS=+5.0% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +56%