United Bankshares, Inc. (UBSI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,029 | 1,007 | 1,040 | 1,047 | 1,030 | 1,237 | 1,242 | - |
| Operating profit | $m | 590 | 613 | ||||||
| Net profit | $m | 289 | 368 | 380 | 366 | 373 | 465 | 515 | 524 |
| EPS reported | $ | 3.27 | 3.66 | ||||||
| Operating cashflow per share | $ | 3.55 | 3.98 | ||||||
| Capex per share | $ | 0.13 | 0.03 | ||||||
| FCF per share | $ | 3.43 | 3.95 | ||||||
| Free cash flow | $m | 481 | 552 | ||||||
| Net debt | $m | -4,776 | -4,701 | ||||||
| Book value equity | $m | 5,496 | 5,511 | ||||||
| Book value per share | $ | 38.98 | 39.34 | ||||||
| Number of shares | m | 140.98 | 140.09 | ||||||
| DPS (TTM paid) | $ | 1.49 | 1.52 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.74 | 12.80 | ||||||
| P/B LTM | x | 0.98 | 0.98 | ||||||
| P/S LTM | x | 4.36 | 4.34 | ||||||
| P/FCF LTM | x | 11.21 | 9.78 | ||||||
| EV/EBITDA LTM | x | 6.39 | 6.14 | ||||||
| EV/Sales LTM | x | 2.07 | 2.95 | ||||||
| Earnings Yield LTM | % | +8.52% | +7.81% | ||||||
| FCF Yield | % | +8.92% | +10.23% | ||||||
| Quality | |||||||||
| ROE | % | +8.45% | +9.39% | ||||||
| ROIC | % | +6.00% | +6.41% | ||||||
| Operating margin | % | +32.42% | +34.01% | ||||||
| Gross margin | % | +65.35% | +67.83% | ||||||
| FCF/Sales | % | +26.43% | +30.62% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +18.91% | +33.09% | ||||||
| Sales Growth YoY | % | +20.13% | +20.62% | ||||||
| Net Income Growth YoY | % | +24.56% | +38.11% | ||||||
| FCF Growth | % | +11.05% | +27.31% | ||||||
| Operating Profit Growth | % | +27.04% | +31.90% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.87% | +3.16% | ||||||
| Dividend Growth | % | +0.68% | +2.70% | ||||||
| Payout Ratio | % | +45.34% | +30.75% | ||||||
| FCF/Debt | x | 0.52 | 0.69 | ||||||
| Net Debt/EBITDA | x | -2.75 | -2.09 | ||||||
| EBIT/Net interest | x | 1.01 | 1.09 | ||||||
| Net debt/market cap | % | +15.31% | +10.62% | ||||||
| Net debt/Equity | x | -0.87 | -0.85 | ||||||
| Gross debt/equity | x | 0.17 | 0.15 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
United Bankshares, Inc. (UBSI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
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