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United Bankshares NasdaqGS:UBSI Stock Report

Last Price


Market Cap







19 May, 2022


Company Financials +
UBSI fundamental analysis
Snowflake Score
Future Growth1/6
Past Performance3/6
Financial Health6/6

UBSI Stock Overview

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States.

United Bankshares Competitors

Price History & Performance

Summary of all time highs, changes and price drops for United Bankshares
Historical stock prices
Current Share PriceUS$34.95
52 Week HighUS$42.00
52 Week LowUS$31.74
1 Month Change0.17%
3 Month Change-4.82%
1 Year Change-14.42%
3 Year Change-3.80%
5 Year Change-10.39%
Change since IPO427.55%

Recent News & Updates

Mar 12

United Bankshares: Asymmetric Risk-Reward With Increased Dividends

United Bankshares has a history of stellar performance through both ups and downs in the financial markets. Growth is King – the company has recently completed its 33rd acquisition under its current administration. United Bankshares delivers to its investors with forty-eight consecutive years of dividend increases provided to shareholders. The company employs a seasoned management team with fresh ideas entering the executive offices in the coming future.

Shareholder Returns

UBSIUS BanksUS Market

Return vs Industry: UBSI exceeded the US Banks industry which returned -18.2% over the past year.

Return vs Market: UBSI underperformed the US Market which returned -11.5% over the past year.

Price Volatility

Is UBSI's price volatile compared to industry and market?
UBSI volatility
UBSI Average Weekly Movement4.0%
Banks Industry Average Movement4.0%
Market Average Movement8.0%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.0%

Stable Share Price: UBSI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UBSI's weekly volatility (4%) has been stable over the past year.

About the Company

19822,966Rick Adams

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts.

United Bankshares Fundamentals Summary

How do United Bankshares's earnings and revenue compare to its market cap?
UBSI fundamental statistics
Market CapUS$4.80b
Earnings (TTM)US$341.55m
Revenue (TTM)US$1.00b


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UBSI income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$1.00b
Other ExpensesUS$660.51m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)2.53
Gross Margin100.00%
Net Profit Margin34.08%
Debt/Equity Ratio20.9%

How did UBSI perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio

Does UBSI pay a reliable dividends?

See UBSI dividend history and benchmarks
When do you need to buy UBSI by to receive an upcoming dividend?
United Bankshares dividend dates
Ex Dividend DateJun 09 2022
Dividend Pay DateJul 01 2022
Days until Ex dividend20 days
Days until Dividend pay date42 days

Does UBSI pay a reliable dividends?

See UBSI dividend history and benchmarks


Is United Bankshares undervalued compared to its fair value and its price relative to the market?

Valuation Score


Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: UBSI ($34.95) is trading below our estimate of fair value ($58.11)

Significantly Below Fair Value: UBSI is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: UBSI is poor value based on its PE Ratio (13.8x) compared to the US Banks industry average (9.7x).

PE vs Market: UBSI is good value based on its PE Ratio (13.8x) compared to the US market (15.5x).

Price to Earnings Growth Ratio

PEG Ratio: UBSI is poor value based on its PEG Ratio (7.2x)

Price to Book Ratio

PB vs Industry: UBSI's PB Ratio (1x) is in line with the US Banks industry average.

Future Growth

How is United Bankshares forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

Future Growth Score


Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UBSI's forecast earnings growth (1.9% per year) is above the savings rate (1.9%).

Earnings vs Market: UBSI's earnings (1.9% per year) are forecast to grow slower than the US market (12.4% per year).

High Growth Earnings: UBSI's earnings are forecast to grow, but not significantly.

Revenue vs Market: UBSI's revenue (3.4% per year) is forecast to grow slower than the US market (7.8% per year).

High Growth Revenue: UBSI's revenue (3.4% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: UBSI's Return on Equity is forecast to be low in 3 years time (7.5%).

Past Performance

How has United Bankshares performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: UBSI has high quality earnings.

Growing Profit Margin: UBSI's current net profit margins (34.1%) are higher than last year (33.1%).

Past Earnings Growth Analysis

Earnings Trend: UBSI's earnings have grown by 17.9% per year over the past 5 years.

Accelerating Growth: UBSI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UBSI had negative earnings growth (-3.7%) over the past year, making it difficult to compare to the Banks industry average (20.9%).

Return on Equity

High ROE: UBSI's Return on Equity (7.5%) is considered low.

Financial Health

How is United Bankshares's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: UBSI's Assets to Equity ratio (6.4x) is low.

Allowance for Bad Loans: UBSI has a sufficient allowance for bad loans (269%).

Low Risk Liabilities: 95% of UBSI's liabilities are made up of primarily low risk sources of funding.

Loan Level: UBSI has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: UBSI's Loans to Deposits ratio (77%) is appropriate.

Level of Bad Loans: UBSI has an appropriate level of bad loans (0.4%).


What is United Bankshares's current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 6/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Upcoming Dividend Payment

TodayMay 20 2022Ex Dividend DateJun 09 2022Dividend Pay DateJul 01 202222 days from Ex DividendBuy in the next 20 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: UBSI's dividend (4.12%) is higher than the bottom 25% of dividend payers in the US market (1.57%).

High Dividend: UBSI's dividend (4.12%) is in the top 25% of dividend payers in the US market (4.07%)

Stability and Growth of Payments

Stable Dividend: UBSI's dividends per share have been stable in the past 10 years.

Growing Dividend: UBSI's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (54.5%), UBSI's dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: UBSI's dividends in 3 years are forecast to be covered by earnings (55% payout ratio).

Discover strong dividend paying companies


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Rick Adams (53 yo)





Mr. Richard Matthew Adams, Jr., also known Rick, M.D., had been the President at United Bankshares, Inc. since November 2014 until April 1, 2022 and serves as its Director & Chief Executive Officer since A...

CEO Compensation Analysis

Compensation vs Market: Rick's total compensation ($USD1.90M) is below average for companies of similar size in the US market ($USD8.19M).

Compensation vs Earnings: Rick's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: UBSI's management team is not considered experienced ( 1 years average tenure), which suggests a new team.

Board Members

Experienced Board: UBSI's board of directors are considered experienced (9.6 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: UBSI insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.4%.

Top Shareholders

Company Information

United Bankshares, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: United Bankshares, Inc.
  • Ticker: UBSI
  • Exchange: NasdaqGS
  • Founded: 1982
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$4.804b
  • Shares outstanding: 134.91m
  • Website:

Number of Employees


  • United Bankshares, Inc.
  • 300 United Center
  • 500 Virginia Street, East
  • Charleston
  • West Virginia
  • 25301
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Annual Earnings2021/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.