United Bankshares, Inc.

United Bankshares, Inc.

UBSIยทNASDAQ

$42.58

-0.42%
Financial ServicesBanks - Regional

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

At a Glance

Live Snapshot
Market Cap$5.87B
EPS3.2800
P/E Ratio12.98
Earnings Date07/23/2026
United Bankshares, Inc.

United Bankshares, Inc. Fair Value Envelope

UBSI ยท NASDAQ

Our analysis suggests that UBSI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $42.58, this represents a potential HIDDEN relative to our calculated worth for United Bankshares, Inc..

Intrinsic Value
Current Price: $42.58

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$16.9B
+ Cash & Equivalents$2.5B
Firm Value$19.5B
- Debt$921.2M
Equity Value$18.5B
/ Shares Outstanding140,416,592B
DCF Value$132
UNDERVALUED BY 210%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$554.0M
$615.2M
$683.2M
$758.6M
$842.4M
$935.5M
$1.0B
$1.2B
$1.3B
$1.4B
Maintenance CapEx
-$3.9M
-$4.4M
-$4.9M
-$5.4M
-$6.0M
-$6.6M
-$7.4M
-$8.2M
-$9.1M
-$10.1M
Owner Earnings
$550.1M
$610.8M
$678.3M
$753.2M
$836.5M
$928.9M
$1.0B
$1.1B
$1.3B
$1.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$509.3M
$523.7M
$538.5M
$553.7M
$569.3M
$585.3M
$601.8M
$618.8M
$636.3M
$654.2M
Terminal Value represents 65.8% of Enterprise Value