NASDAQ
UBSI
Last Price
US $46.94
KEY FIGURES
MKT CAP
$6.4B
EPS
TTM
$3.61
PEG
TTM
0.40x
P/E
TTM
12.91x
P/S
TTM
3.50x
YIELD
3.27%
GROWTH
Revenue Y/Y
9.86%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $46.94
55.01%
Default assumptions
EBITDA Multiple
Fair Value
Market $46.94
-12.25%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
United Bankshares, Inc. cash flow to debt ratio of 54.16% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
United Bankshares, Inc.'s free cash flow has increased 11.05% from $433.33M last year to $481.19M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
United Bankshares, Inc.'s debt to equity ratio is 0.14, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
United Bankshares, Inc.'s debt has decreased relative to shareholder equity from 0.16 last year to 0.14 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
United Bankshares, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
United Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
United Bankshares, Inc.'s profit margin has increased (19.43%) in the last year from 23.01% to 27.49%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
United Bankshares, Inc.'s short-term assets of $5.60G exceed its short-term liabilities of $198.57M
Decreasing performance - ROA.
United Bankshares, Inc.'s return on assets of 1.50% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
United Bankshares, Inc.'s return on equity of 9.26%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
United Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
United Bankshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
United Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
United Bankshares, Inc. has a free cash flow yield of 7.56%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
United Bankshares, Inc.'s yearly earnings has increased 24.56% since last year from $373.00M to $464.60M, signaling increasing performance
Increasing performance - Healthy revenue growth.
United Bankshares, Inc.'s yearly revenue has increased 12.33% since last year from $1.62G to $1.82G, signaling increasing performance
Increasing performance - ROIC.
ROIC 6.58% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
United Bankshares, Inc.'s 3-year revenue CAGR of 16.70% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
United Bankshares, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
United Bankshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
United Bankshares, Inc. is undervalued relative to its fair value price of 72.76 based on Discounted Cash Flow model
Undervalued - Earnings yield.
United Bankshares, Inc. has an earnings yield of 7.82%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
United Bankshares, Inc. is overvalued relative to its fair value price of 41.19 based on EBITDA multiple model
Undervalued - EV/EBITDA.
United Bankshares, Inc. has an EV/EBITDA ratio of 7.59x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
United Bankshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
United Bankshares, Inc. has a price-to-book ratio of 1.18x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
United Bankshares, Inc. has a price-to-sales ratio of 3.47x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
9.26%
Return on equity
ROIC: 6.58%
Valuation History
12.9X
Price to Earnings
EV/EBITDA: 7.6X
Cash flow
Profit margin
11.45%
(FY vs FY)
Cash flow Y/Y
31.71%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.