Financhill
Buy
52

UBSI Quote, Financials, Valuation and Earnings

Last price:
$41.23
Seasonality move :
-1.2%
Day range:
$41.03 - $41.42
52-week range:
$30.51 - $41.53
Dividend yield:
3.62%
P/E ratio:
13.52x
P/S ratio:
3.29x
P/B ratio:
1.06x
Volume:
799.5K
Avg. volume:
863.9K
1-year change:
8.19%
Market cap:
$5.8B
Revenue:
$1.6B
EPS (TTM):
$3.05

Analysts' Opinion

  • Consensus Rating
    United Bankshares, Inc. (West Virginia) has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $40.90, United Bankshares, Inc. (West Virginia) has an estimated downside of -0.78% from its current price of $41.22.
  • Price Target Upside
    According to analysts, the highest upside price target is $42.50 representing -100% upside increase from its current price of $41.22.

Fair Value

  • According to the consensus of 3 analysts, United Bankshares, Inc. (West Virginia) has -0.78% downside to fair value with a price target of $40.90 per share.

UBSI vs. S&P 500

  • Over the past 5 trading days, United Bankshares, Inc. (West Virginia) has overperformed the S&P 500 by 1.81% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • United Bankshares, Inc. (West Virginia) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • United Bankshares, Inc. (West Virginia) has grown year-over-year revenues for 15 quarters straight. In the most recent quarter United Bankshares, Inc. (West Virginia) reported revenues of $473.7M.

Earnings Growth

  • United Bankshares, Inc. (West Virginia) has grown year-over-year earnings for 2 quarters straight. In the most recent quarter United Bankshares, Inc. (West Virginia) reported earnings per share of $0.92.
Enterprise value:
6.6B
EV / Invested capital:
--
Price / LTM sales:
3.29x
EV / EBIT:
5.83x
EV / Revenue:
3.73x
PEG ratio (5yr expected):
0.88x
EV / Free cash flow:
13.68x
Price / Operating cash flow:
12.05x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.35%
Net Income Margin (TTM):
24.32%
Return On Equity:
8.23%
Return On Invested Capital:
7.13%
Operating Margin:
34.72%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $1.4B $1.6B $1.8B $409.8M $473.7M
Gross Profit -- -- -- -- --
Operating Income $456.4M $427.4M $544.6M $115.6M $164.5M
EBITDA -- -- -- -- --
Diluted EPS $2.86 $2.64 $3.05 $0.70 $0.92
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $4.1B $1.4B $1.3B $2B $2.6B
Total Assets $27.5B $29B $29.2B $29.9B $33.4B
Current Liabilities $15.2B $15B $13.9B $13.6B $21.3B
Total Liabilities $23.1B $24.6B $24.6B $24.9B $28B
Total Equity $4.4B $4.4B $4.6B $5B $5.4B
Total Debt $889.2M $1.4B $1.5B $624.3M $622.6M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $75.6M $445.3M $496.3M $123.6M $150.6M
Cash From Investing -$6.3M $182.4M -$510.7M $185.5M -$402.8M
Cash From Financing -$241.6M $97.1M $624.3M -$259.1M $456.2M
Free Cash Flow $62.1M $432.7M $481.2M $122M $146.4M
UBSI
Sector
Market Cap
$5.8B
$537.2M
Price % of 52-Week High
99.25%
92.07%
Dividend Yield
3.62%
1.5%
Shareholder Yield
9.17%
3.06%
1-Year Price Total Return
8.19%
8.37%
Beta (5-Year)
0.781
0.451
Dividend yield:
3.62%
Annualized payout:
$1.48
Payout ratio:
40.26%
Growth streak:
25 years

Technicals

8-day SMA
Buy
Level $40.39
200-day SMA
Buy
Level $36.76
Bollinger Bands (100)
Buy
Level 36.15 - 39.19
Chaikin Money Flow
Buy
Level 52.5M
20-day SMA
Buy
Level $39.73
Relative Strength Index (RSI14)
Buy
Level 67.70
ADX Line
Buy
Level 25.21
Williams %R
Sell
Level -8.5873
50-day SMA
Buy
Level $38.37
MACD (12, 26)
Buy
Level 0.64
25-day Aroon Oscillator
Buy
Level 36
On Balance Volume
Sell
Level -22.4M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.4384)
Sell
CA Score (Annual)
Level (-1.8355)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (2.9183)
Buy
Piotroski F Score (Annual)
Level (8)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

United Bankshares, Inc. is a bank holding company, which engages in the provision of commercial and retail banking services and products. It operates through the following segments: Community Banking, Mortgage Banking, and Other. The Community Banking segment consists of both commercial and consumer lending and provides customers with such products as commercial loans, real estate loans, business financing, and consumer loans. The Mortgage Banking segment focuses on the origination and acquisition of residential mortgages for sale into the secondary market through United's mortgage banking subsidiaries, George Mason and Crescent. The Other segment includes financial information not directly attributable to a specific segment, including interest income from investments and net securities gains or losses of parent companies and their non-banking subsidiaries. The company was founded in 1839 and is headquartered in Charleston, WV.

Stock Forecast FAQ

In the current month, UBSI has received 0 Buy ratings 3 Hold ratings, and 0 Sell ratings. The UBSI average analyst price target in the past 3 months is $40.90.

  • Where Will United Bankshares, Inc. (West Virginia) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that United Bankshares, Inc. (West Virginia) share price will drop to $40.90 per share over the next 12 months.

  • What Do Analysts Say About United Bankshares, Inc. (West Virginia)?

    Analysts are divided on their view about United Bankshares, Inc. (West Virginia) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that United Bankshares, Inc. (West Virginia) is a Sell and believe this share price will rise from its current level to $40.00.

  • What Is United Bankshares, Inc. (West Virginia)'s Price Target?

    The price target for United Bankshares, Inc. (West Virginia) over the next 1-year time period is forecast to be $40.90 according to 3 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is UBSI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for United Bankshares, Inc. (West Virginia) is a Hold. 3 of 3 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of UBSI?

    You can purchase shares of United Bankshares, Inc. (West Virginia) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase United Bankshares, Inc. (West Virginia) shares.

  • What Is The United Bankshares, Inc. (West Virginia) Share Price Today?

    United Bankshares, Inc. (West Virginia) was last trading at $41.23 per share. This represents the most recent stock quote for United Bankshares, Inc. (West Virginia). Yesterday, United Bankshares, Inc. (West Virginia) closed at $41.22 per share.

  • How To Buy United Bankshares, Inc. (West Virginia) Stock Online?

    In order to purchase United Bankshares, Inc. (West Virginia) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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