UNITED BANKSHARES INC (UBSI) Stock Fundamental Analysis
NASDAQ:UBSI - Nasdaq - US9099071071 - Common Stock - Currency: USD
UBSI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. There are concerns on the financial health of UBSI while its profitability can be described as average. UBSI is quite expensive at the moment. It does show a decent growth rate. Finally UBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UBSI had positive earnings in the past year.
In the past year UBSI had a positive cash flow from operations.
Each year in the past 5 years UBSI has been profitable.
In the past 5 years UBSI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.24%, UBSI belongs to the top of the industry, outperforming 81.41% of the companies in the same industry.
UBSI has a Return On Equity (7.47%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 7.47% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.22%
ROE(3y)7.85%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBSI has a better Profit Margin (36.13%) than 92.96% of its industry peers.
UBSI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for UBSI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.05%
PM growth 5Y0.24%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
UBSI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UBSI has more shares outstanding
The debt/assets ratio for UBSI has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UBSI is 1.05, which is an excellent value as it means it would take UBSI, only 1.05 years of fcf income to pay off all of its debts.
UBSI has a better Debt to FCF ratio (1.05) than 73.62% of its industry peers.
UBSI has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.09, UBSI is in the better half of the industry, outperforming 74.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBSI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.11%.
Measured over the past 5 years, UBSI shows a small growth in Earnings Per Share. The EPS has been growing by 1.45% on average per year.
The Revenue has decreased by -1.97% in the past year.
Measured over the past years, UBSI shows a small growth in Revenue. The Revenue has been growing by 7.22% on average per year.
EPS 1Y (TTM)1.11%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%16.95%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%-0.55%
3.2 Future
UBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.96% yearly.
UBSI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.30% yearly.
EPS Next Y5.64%
EPS Next 2Y6.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.57%
Revenue Next 2Y9.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
UBSI is valuated correctly with a Price/Earnings ratio of 12.55.
The rest of the industry has a similar Price/Earnings ratio as UBSI.
When comparing the Price/Earnings ratio of UBSI to the average of the S&P500 Index (28.92), we can say UBSI is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.88, the valuation of UBSI can be described as very reasonable.
64.82% of the companies in the same industry are cheaper than UBSI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of UBSI to the average of the S&P500 Index (21.65), we can say UBSI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 11.88 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as UBSI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UBSI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.23
PEG (5Y)8.67
EPS Next 2Y6.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, UBSI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.63, UBSI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, UBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
5.2 History
The dividend of UBSI has a limited annual growth rate of 1.75%.
UBSI has paid a dividend for at least 10 years, which is a reliable track record.
UBSI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.75%
Div Incr Years34
Div Non Decr Years34
5.3 Sustainability
53.81% of the earnings are spent on dividend by UBSI. This is a bit on the high side, but may be sustainable.
The dividend of UBSI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP53.81%
EPS Next 2Y6.96%
EPS Next 3YN/A
NASDAQ:UBSI (4/25/2025, 10:14:08 AM)
34.39
-0.07 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.68%
Inst Owner Change-1.58%
Ins Owners2.02%
Ins Owner Change4.06%
Market Cap4.93B
Analysts73.33
Price Target41.06 (19.4%)
Short Float %1.92%
Short Ratio2.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
Yearly Dividend1.49
Dividend Growth(5Y)1.75%
DP53.81%
Div Incr Years34
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.22%
Min EPS beat(2)0.01%
Max EPS beat(2)2.43%
EPS beat(4)3
Avg EPS beat(4)1.83%
Min EPS beat(4)-3.22%
Max EPS beat(4)8.09%
EPS beat(8)5
Avg EPS beat(8)0.02%
EPS beat(12)7
Avg EPS beat(12)1.15%
EPS beat(16)10
Avg EPS beat(16)1.9%
Revenue beat(2)0
Avg Revenue beat(2)-1.55%
Min Revenue beat(2)-2.11%
Max Revenue beat(2)-0.99%
Revenue beat(4)0
Avg Revenue beat(4)-2%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)-0.99%
Revenue beat(8)1
Avg Revenue beat(8)-1.69%
Revenue beat(12)3
Avg Revenue beat(12)-1.38%
Revenue beat(16)5
Avg Revenue beat(16)-1.68%
PT rev (1m)-1.53%
PT rev (3m)-2%
EPS NQ rev (1m)1.06%
EPS NQ rev (3m)21.33%
EPS NY rev (1m)1.37%
EPS NY rev (3m)1.82%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)1.92%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 11.88 | ||
| P/S | 4.78 | ||
| P/FCF | 11.39 | ||
| P/OCF | 11.08 | ||
| P/B | 0.99 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.74
EY7.97%
EPS(NY)2.89
Fwd EY8.42%
FCF(TTM)3.02
FCFY8.78%
OCF(TTM)3.1
OCFY9.03%
SpS7.2
BVpS34.8
TBVpS21.58
PEG (NY)2.23
PEG (5Y)8.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 7.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 36.13% | ||
| GM | N/A | ||
| FCFM | 41.98% |
ROA(3y)1.25%
ROA(5y)1.22%
ROE(3y)7.85%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.05%
PM growth 5Y0.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.05 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.2% | ||
| Cap/Sales | 1.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.57%
ROIC/WACCN/A
Cap/Depr(3y)79.35%
Cap/Depr(5y)94.31%
Cap/Sales(3y)1.3%
Cap/Sales(5y)1.45%
Profit Quality(3y)142.59%
Profit Quality(5y)126.27%
High Growth Momentum
Growth
EPS 1Y (TTM)1.11%
EPS 3Y-1.07%
EPS 5Y1.45%
EPS Q2Q%16.95%
EPS Next Y5.64%
EPS Next 2Y6.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y0.43%
Revenue growth 5Y7.22%
Sales Q2Q%-0.55%
Revenue Next Year12.57%
Revenue Next 2Y9.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2.31%
FCF growth 3Y-9.98%
FCF growth 5Y25.19%
OCF growth 1Y2.35%
OCF growth 3Y-9.92%
OCF growth 5Y23.99%