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
|Historical stock prices|
|Current Share Price||US$36.50|
|52 Week High||US$42.00|
|52 Week Low||US$31.74|
|1 Month Change||7.51%|
|3 Month Change||1.59%|
|1 Year Change||-8.01%|
|3 Year Change||-0.54%|
|5 Year Change||-4.95%|
|Change since IPO||450.94%|
Recent News & Updates
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.
|UBSI||US Banks||US Market|
Return vs Industry: UBSI exceeded the US Banks industry which returned -16.6% over the past year.
Return vs Market: UBSI exceeded the US Market which returned -12.3% over the past year.
|UBSI Average Weekly Movement||3.9%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
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
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
|UBSI fundamental statistics|
Is UBSI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UBSI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.53|
|Net Profit Margin||34.08%|
How did UBSI perform over the long term?See historical performance and comparison
3.9%Current Dividend Yield
Does UBSI pay a reliable dividends?See UBSI dividend history and benchmarks
|United Bankshares dividend dates|
|Ex Dividend Date||Jun 09 2022|
|Dividend Pay Date||Jul 01 2022|
|Days until Ex dividend||14 days|
|Days until Dividend pay date||36 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 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UBSI ($36.5) is trading below our estimate of fair value ($58.26)
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 Price-To-Earnings Ratio (14.4x) compared to the US Banks industry average (9.8x).
PE vs Market: UBSI is good value based on its Price-To-Earnings Ratio (14.4x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: UBSI is poor value based on its PEG Ratio (7.5x)
Price to Book Ratio
PB vs Industry: UBSI's Price-To-Book Ratio (1.1x) is in line with the US Banks industry average.
How is United Bankshares forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (12.3% 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%).
How has United Bankshares performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
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.
How is United Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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 5/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: UBSI's dividend (3.95%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: UBSI's dividend (3.95%) is low compared to the top 25% of dividend payers in the US market (4.05%).
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 ($USD8.23M).
Compensation vs Earnings: Rick's compensation has been consistent with company performance over the past year.
Experienced Management: UBSI's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.4%.
United Bankshares, Inc.'s employee growth, exchange listings and data sources
- Name: United Bankshares, Inc.
- Ticker: UBSI
- Exchange: NasdaqGS
- Founded: 1982
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$4.924b
- Shares outstanding: 134.91m
- Website: https://www.ubsi-inc.com
Number of Employees
- United Bankshares, Inc.
- 300 United Center
- 500 Virginia Street, East
- West Virginia
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/24 00:00|
|End of Day Share Price||2022/05/24 00:00|
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.