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United Bankshares (UBSI)
NASDAQ:UBSI
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United Bankshares
(NASDAQ:UBSI)
Rating:68Neutral
Price Target:―
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.23B
Dividend Yield4.02%
Average Volume (3M)715.53K
Price to Earnings (P/E)13.7
Beta (1Y)0.90
Revenue Growth6.39%
EPS Growth2.93%
CountryUS
Employees2,553
SectorFinancial
Sector Strength82
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.59
Shares Outstanding142,059,590
10 Day Avg. Volume485,692
30 Day Avg. Volume715,528
Financial Highlights & Ratios
PEG Ratio-7.50
Price to Book (P/B)0.96
Price to Sales (P/S)0.00
P/FCF Ratio11.50
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue1.02
Enterprise Value/Gross Profit4.11
Enterprise Value/Ebitda7.12
Forecast
1Y Price Target
$40.67Price Target Upside12.69% Upside
Rating ConsensusHold
Number of Analyst Covering4
United Bankshares Business Overview & Revenue Model
Company DescriptionUnited 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. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including 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. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
How the Company Makes MoneyUnited Bankshares generates revenue primarily through the interest income derived from its loan portfolio, which includes personal, commercial, and real estate loans. The company also earns income from fees and charges associated with various banking services such as account maintenance, transaction processing, and ATM usage. Additionally, United Bankshares benefits from investment management and brokerage services, enhancing its non-interest income. The company's financial performance is further supported by strategic acquisitions and partnerships, which expand its market reach and customer base, thereby contributing to its overall earnings.
United Bankshares Financial Statement Overview
Summary
United Bankshares demonstrates solid financial performance with strong revenue growth and profitability margins. The balance sheet is stable with a robust equity position, though cash reserves are decreasing. Cash flow generation is adequate but declining free cash flow growth is a concern.Income Statement
United Bankshares has demonstrated solid revenue and net income growth over recent years, with a modest revenue growth rate of approximately 1.3% from 2022 to 2023. The net profit margin is strong, reflecting efficient management and operational excellence. However, the absence of EBIT and EBITDA data for 2024 makes it challenging to fully assess the company's operational efficiency.72
Positive
Balance Sheet
The company maintains a strong equity base with an equity ratio of around 16.65% in 2024, indicating a stable financial structure. The debt-to-equity ratio is low, reflecting conservative leverage usage, which reduces financial risk. However, a declining trend in cash and cash equivalents could indicate potential liquidity challenges if not managed carefully.68
Positive
Cash Flow
United Bankshares shows a positive free cash flow, though it decreased from 2023 to 2024. The operating cash flow to net income ratio remains healthy, suggesting good cash generation relative to earnings. The decline in free cash flow growth is a concern and should be monitored for future liquidity management.65
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 1.03B | 1.50B | 1.03B | 1.01B | 1.04B | Gross Profit |
| 1.03B | 1.02B | 1.03B | 1.01B | 1.04B | EBIT |
| 448.88M | 436.23M | 585.81M | 462.85M | 363.63M | EBITDA |
| 0.00 | 0.00 | 448.49M | 259.83M | 0.00 | Net Income Common Stockholders |
| 373.00M | 366.31M | 379.63M | 367.74M | 289.02M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 3.20B | 4.04B | 5.72B | 7.80B | 5.16B | Total Assets |
| 30.02B | 29.93B | 29.49B | 29.33B | 26.18B | Total Debt |
| 627.19M | 1.88B | 2.43B | 1.03B | 1.08B | Net Debt |
| -1.66B | 284.21M | 1.26B | -2.73B | -1.13B | Total Liabilities |
| 25.03B | 25.16B | 24.97B | 24.61B | 21.89B | Stockholders Equity |
| 4.99B | 4.77B | 4.52B | 4.72B | 4.30B |
| Cash Flow | Free Cash Flow | |||
| 433.33M | 423.55M | 743.96M | 594.16M | 121.42M | Operating Cash Flow |
| 445.45M | 435.24M | 760.82M | 609.54M | 140.45M | Investing Cash Flow |
| 571.49M | 38.99M | -3.45B | 15.65M | 137.59M | Financing Cash Flow |
| -323.64M | -51.94M | 105.32M | 923.91M | 1.09B |
United Bankshares Technical Analysis
Positive
36.09
Price Trends
34.68
Positive
35.64
Positive
36.70
Negative
Market Momentum
0.56
Positive
52.91
Neutral
44.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Positive. The current price of 36.09 is below the 20-day moving average (MA) of 36.11, above the 50-day MA of 34.68, and below the 200-day MA of 36.70, indicating a neutral trend. The MACD of 0.56 indicates Positive momentum. The RSI at 52.91 is Neutral, neither overbought nor oversold. The STOCH value of 44.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBSI.
United Bankshares Risk Analysis
United Bankshares disclosed 30 risk factors in its most recent earnings report. United Bankshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
United Bankshares Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $5.16B | 7.45 | 12.85% | 3.65% | 13.85% | 2.43% | |
76 Outperform | $5.09B | 11.17 | 7.40% | 3.39% | 10.18% | 2.27% | |
69 Neutral | $5.00B | 12.99 | 5.48% | 4.93% | 1.60% | -18.84% | |
68 Neutral | $5.23B | 13.66 | 7.30% | 4.02% | 6.39% | 2.93% | |
67 Neutral | $5.05B | 21.85 | 14.60% | 2.04% | 16.01% | 15.70% | |
64 Neutral | $12.77B | 9.79 | 7.55% | 17015.06% | 12.20% | -6.98% | |
51 Neutral | $4.91B | ― | -10.40% | 0.51% | -8.17% | 73.59% |
* Financial Sector Average
Performance Comparison
UBSI
United Bankshares
36.09
5.55
18.17%
OZK
Bank OZK
44.50
4.84
12.20%
FNB
F.N.B.
13.92
0.72
5.45%
FFIN
First Financial Bankshares
34.91
5.69
19.47%
FLG
Flagstar Financial
11.61
1.74
17.63%
VLY
Valley National Bancorp
8.75
2.16
32.78%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.