United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States.
Flawless balance sheet established dividend payer.
Share Price & News
How has United Bankshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UBSI's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: UBSI matched the US Banks industry which returned -28.7% over the past year.
Return vs Market: UBSI underperformed the US Market which returned 3.7% over the past year.
Price Volatility Vs. Market
How volatile is United Bankshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
14 hours ago | Simply Wall StCould United Bankshares, Inc.'s (NASDAQ:UBSI) Investor Composition Influence The Stock Price?
2 weeks ago | Simply Wall StGrowth Investors: Industry Analysts Just Upgraded Their United Bankshares, Inc. (NASDAQ:UBSI) Revenue Forecasts By 10%
3 weeks ago | Simply Wall StUnited Bankshares, Inc. Just Missed Earnings And Its EPS Looked Sad - But Analysts Have Updated Their Models
Is United Bankshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UBSI ($25.85) is trading above our estimate of fair value ($14.05)
Significantly Below Fair Value: UBSI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: UBSI is poor value based on its PE Ratio (11.1x) compared to the Banks industry average (9.3x).
PE vs Market: UBSI is good value based on its PE Ratio (11.1x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: UBSI is poor value based on its PEG Ratio (1.1x)
Price to Book Ratio
PB vs Industry: UBSI is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (0.8x).
How is United Bankshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UBSI's forecast earnings growth (10.1% per year) is above the savings rate (2.2%).
Earnings vs Market: UBSI's earnings (10.1% per year) are forecast to grow slower than the US market (21.6% per year).
High Growth Earnings: UBSI's earnings are forecast to grow, but not significantly.
Revenue vs Market: UBSI's revenue (10.8% per year) is forecast to grow faster than the US market (8.9% per year).
High Growth Revenue: UBSI's revenue (10.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if UBSI's Return on Equity is forecast to be high in 3 years time
How has United Bankshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UBSI has high quality earnings.
Growing Profit Margin: UBSI's current net profit margins (34.5%) are lower than last year (37.2%).
Past Earnings Growth Analysis
Earnings Trend: UBSI's earnings have grown by 16.3% 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 (-8.4%) over the past year, making it difficult to compare to the Banks industry average (2.9%).
Return on Equity
High ROE: UBSI's Return on Equity (7.1%) is considered low.
How is United Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UBSI's Assets to Equity ratio (6.1x) is low.
Allowance for Bad Loans: UBSI has a sufficient allowance for bad loans (117%).
Low Risk Liabilities: 82% 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 (67%).
Low Risk Deposits: UBSI's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: UBSI has an appropriate level of bad loans (1%).
What is United Bankshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: UBSI's dividend (5.42%) is higher than the bottom 25% of dividend payers in the US market (1.75%).
High Dividend: UBSI's dividend (5.42%) is in the top 25% of dividend payers in the US market (4.73%)
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
Dividend Coverage: With its reasonable payout ratio (59.3%), UBSI's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Richard Adams (72yo)
Mr. Richard M. Adams Sr. is the Chairman and Chief Executive Officer of United Bankshares, Inc. Mr. Adams served as the Chairman and Chief Executive Officer at United Bank, Inc. Mr. Adams began his banking ...
CEO Compensation Analysis
Compensation vs Market: Richard's total compensation ($USD4.38M) is about average for companies of similar size in the US market ($USD6.00M).
Compensation vs Earnings: Richard's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Chairman & CEO||36.33yrs||US$4.38m||0.64% $21.3m|
|Executive VP||5.33yrs||US$1.53m||0.038% $1.3m|
|Executive VP & COO||5.5yrs||US$1.80m||0.055% $1.8m|
|Executive VP and Chief Administrative & Information Officer||5.33yrs||US$1.06m||0.027% $921.6k|
|Executive VP & Chief Risk Officer||5.5yrs||no data||0.0066% $220.4k|
|Executive VP & Chief Credit Officer||5.33yrs||no data||0.021% $696.8k|
Experienced Management: UBSI's management team is seasoned and experienced (5.5 years average tenure).
|Chairman & CEO||36.33yrs||US$4.38m||0.64% $21.3m|
|Independent Director||30.33yrs||US$93.53k||0.040% $1.3m|
|Lead Independent Director||no data||US$133.53k||0.34% $11.6m|
|Independent Director||17.33yrs||US$525.33k||0.059% $2.0m|
|Independent Director||6.33yrs||US$212.03k||0.37% $12.4m|
|Independent Director||11.67yrs||US$123.03k||0.023% $764.2k|
|Independent Director||16.33yrs||US$107.03k||0.012% $403.6k|
|Independent Director||8.83yrs||US$118.28k||0.062% $2.1m|
|Independent Director||1.5yrs||US$84.16k||0.0062% $208.3k|
Experienced Board: UBSI's board of directors are seasoned and experienced ( 11.7 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 27.1%.
United Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: United Bankshares, Inc.
- Ticker: UBSI
- Exchange: NasdaqGS
- Founded: 1982
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$3.355b
- Shares outstanding: 129.78m
- Website: https://www.ubsi-inc.com
Number of Employees
- United Bankshares, Inc.
- 300 United Center
- 500 Virginia Street, East
- West Virginia
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UBSI||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jun 1987|
|UNK||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jun 1987|
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, and NOW accounts. It also offers personal, commercial, floor plan, and student loans; construction and real estate loans; and consumer loans, including credit card and home equity loans. In addition, the company provides safe deposit boxes, wire transfers, and other banking products and services; investment and security, and trust services; services to correspondent banks, including check clearing, safekeeping, and buying and selling federal funds; automated teller machine services; and Internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. The company operates 139 full service offices, which consists of 51 offices in West Virginia; 83 offices in the Shenandoah Valley region of Virginia and the Northern Virginia, Maryland, and Washington, D.C. metropolitan areas; 4 offices in southwestern Pennsylvania; and 1 office in southeastern Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/26 02:06|
|End of Day Share Price||2020/05/22 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.