UNITED BANKSHARES INC (UBSI)
US9099071071 - Common Stock
Taking everything into account, UBSI scores 4 out of 10 in our fundamental rating. UBSI was compared to 406 industry peers in the Banks industry. UBSI has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBSI has a expensive valuation and it also scores bad on growth. UBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year UBSI was profitable.
UBSI had a positive operating cash flow in the past year.
UBSI had positive earnings in each of the past 5 years.
Each year in the past 5 years UBSI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of UBSI (1.20%) is better than 79.70% of its industry peers.
UBSI has a Return On Equity (7.21%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 7.21% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.24%
ROE(3y)7.96%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBSI has a better Profit Margin (34.63%) than 91.09% of its industry peers.
In the last couple of years the Profit Margin of UBSI has remained more or less at the same level.
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) | 34.63% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.87%
PM growth 5Y-0.53%
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 about the same amout of shares outstanding than it did 1 year ago.
UBSI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UBSI is higher compared to a year ago.
2.2 Solvency
UBSI has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.01, UBSI is doing good in the industry, outperforming 78.47% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that UBSI is not too dependend on debt financing.
UBSI has a better Debt to Equity ratio (0.09) than 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBSI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.69%.
UBSI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.95% yearly.
The Revenue has decreased by -3.39% in the past year.
Measured over the past years, UBSI shows a small growth in Revenue. The Revenue has been growing by 7.98% on average per year.
EPS 1Y (TTM)-7.69%
EPS 3Y4.87%
EPS 5Y1.95%
EPS Q2Q%-1.41%
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y0.32%
Revenue growth 5Y7.98%
Sales Q2Q%0.03%
3.2 Future
Based on estimates for the next years, UBSI will show a small growth in Earnings Per Share. The EPS will grow by 5.13% on average per year.
The Revenue is expected to grow by 5.69% on average over the next years.
EPS Next Y2.47%
EPS Next 2Y0.94%
EPS Next 3Y5.13%
EPS Next 5YN/A
Revenue Next Year-1.58%
Revenue Next 2Y4.95%
Revenue Next 3Y5.69%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.39, UBSI is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as UBSI.
Compared to an average S&P500 Price/Earnings ratio of 27.73, UBSI is valued a bit cheaper.
UBSI is valuated correctly with a Price/Forward Earnings ratio of 13.76.
64.85% of the companies in the same industry are cheaper than UBSI, based on the Price/Forward Earnings ratio.
UBSI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.39 | ||
| Fwd PE | 13.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UBSI is valued a bit cheaper than 62.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)5.83
PEG (5Y)7.36
EPS Next 2Y0.94%
EPS Next 3Y5.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.95%, UBSI has a reasonable but not impressive dividend return.
UBSI's Dividend Yield is a higher than the industry average which is at 3.15.
UBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
5.2 History
The dividend of UBSI has a limited annual growth rate of 0.95%.
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)0.95%
Div Incr Years34
Div Non Decr Years34
5.3 Sustainability
55.66% of the earnings are spent on dividend by UBSI. This is a bit on the high side, but may be sustainable.
UBSI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.66%
EPS Next 2Y0.94%
EPS Next 3Y5.13%
UNITED BANKSHARES INC
NASDAQ:UBSI (12/20/2024, 8:00:01 PM)
After market: 38 0 (0%)38
+0.51 (+1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.44%
Inst Owner Change-2.35%
Ins Owners2.11%
Ins Owner Change-0.04%
Market Cap5.14B
Analysts74.55
Price Target41.41 (8.97%)
Short Float %1.79%
Short Ratio4.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
Dividend Growth(5Y)0.95%
DP55.66%
Div Incr Years34
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.26%
Min EPS beat(2)2.43%
Max EPS beat(2)8.09%
EPS beat(4)2
Avg EPS beat(4)-1.1%
Min EPS beat(4)-11.69%
Max EPS beat(4)8.09%
EPS beat(8)4
Avg EPS beat(8)-0.92%
EPS beat(12)6
Avg EPS beat(12)0.94%
EPS beat(16)10
Avg EPS beat(16)3.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.4%
Min Revenue beat(2)-1.81%
Max Revenue beat(2)-0.99%
Revenue beat(4)0
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)-0.34%
Revenue beat(8)1
Avg Revenue beat(8)-1.55%
Revenue beat(12)3
Avg Revenue beat(12)-1.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.82%
PT rev (1m)-0.98%
PT rev (3m)-0.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.7%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.39 | ||
| Fwd PE | 13.76 | ||
| P/S | 4.97 | ||
| P/FCF | 11.19 | ||
| P/OCF | 10.89 | ||
| P/B | 1.03 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY6.95%
EPS(NY)2.76
Fwd EY7.27%
FCF(TTM)3.4
FCFY8.94%
OCF(TTM)3.49
OCFY9.18%
SpS7.64
BVpS36.74
TBVpS22.7
PEG (NY)5.83
PEG (5Y)7.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 7.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.63% | ||
| GM | N/A | ||
| FCFM | 44.42% |
ROA(3y)1.25%
ROA(5y)1.24%
ROE(3y)7.96%
ROE(5y)7.67%
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 3Y7.87%
PM growth 5Y-0.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 72.81% | ||
| Cap/Sales | 1.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC11.56%
ROIC/WACCN/A
Cap/Depr(3y)84.54%
Cap/Depr(5y)102.74%
Cap/Sales(3y)1.41%
Cap/Sales(5y)1.52%
Profit Quality(3y)157.72%
Profit Quality(5y)113.87%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.69%
EPS 3Y4.87%
EPS 5Y1.95%
EPS Q2Q%-1.41%
EPS Next Y2.47%
EPS Next 2Y0.94%
EPS Next 3Y5.13%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y0.32%
Revenue growth 5Y7.98%
Sales Q2Q%0.03%
Revenue Next Year-1.58%
Revenue Next 2Y4.95%
Revenue Next 3Y5.69%
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 1Y-30.87%
FCF growth 3Y51.67%
FCF growth 5Y8%
OCF growth 1Y-30.64%
OCF growth 3Y45.81%
OCF growth 5Y8.16%