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Financial Services - Banks - Regional - NASDAQ - US
$ 42.22
-0.189 %
$ 5.71 B
Market Cap
15.93
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one UBSI stock under the base case scenario is HIDDEN Compared to the current market price of 42.2 USD, United Bankshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UBSI

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FINANCIALS
1.02 B REVENUE
-0.74%
630 M OPERATING INCOME
7.54%
366 M NET INCOME
-3.51%
409 M OPERATING CASH FLOW
-46.28%
39 M INVESTING CASH FLOW
101.13%
-51.9 M FINANCING CASH FLOW
-49.32%
261 M REVENUE
-34.62%
-41.6 M OPERATING INCOME
-34.23%
-183 M NET INCOME
-189.95%
124 M OPERATING CASH FLOW
102.04%
185 M INVESTING CASH FLOW
-16.66%
-259 M FINANCING CASH FLOW
-64.50%
Balance Sheet Decomposition United Bankshares, Inc.
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Current Assets 4.15 B
Cash & Short-Term Investments 4.04 B
Receivables 111 M
Other Current Assets 0
Non-Current Assets 32.5 B
Long-Term Investments 4.13 B
PP&E 278 M
Other Non-Current Assets 28.1 B
Current Liabilities 21.3 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 21.3 B
Non-Current Liabilities 25.2 B
Long-Term Debt 1.86 B
Other Non-Current Liabilities 23.3 B
EFFICIENCY
Earnings Waterfall United Bankshares, Inc.
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Revenue 1.02 B
Cost Of Revenue 0
Gross Profit 1.02 B
Operating Expenses 394 M
Operating Income 630 M
Other Expenses 264 M
Net Income 366 M
RATIOS
100.00% GROSS MARGIN
100.00%
61.52% OPERATING MARGIN
61.52%
35.77% NET MARGIN
35.77%
7.68% ROE
7.68%
1.22% ROA
1.22%
7.58% ROIC
7.58%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis United Bankshares, Inc.
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Net Income 366 M
Depreciation & Amortization 23.1 M
Capital Expenditures -11.7 M
Stock-Based Compensation 12.5 M
Change in Working Capital -1.36 M
Others 9.78 M
Free Cash Flow 397 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets United Bankshares, Inc.
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Wall Street analysts predict an average 1-year price target for UBSI of $37.7 , with forecasts ranging from a low of $36 to a high of $39 .
UBSI Lowest Price Target Wall Street Target
36 USD -14.73%
UBSI Average Price Target Wall Street Target
37.7 USD -10.78%
UBSI Highest Price Target Wall Street Target
39 USD -7.63%
4. DIVIDEND ANALYSIS
1.00% DIVIDEND YIELD
0.37 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership United Bankshares, Inc.
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Sold
0-3 MONTHS
200 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 1
0-3 MONTHS
0 USD 1
3-6 MONTHS
0 USD 1
6-9 MONTHS
24.6 K USD 2
9-12 MONTHS
Date Value Insider Amount Avg Price
5 days ago
Nov 12, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 760
0 USD
1 week ago
Nov 06, 2024
Sell 200 K USD
CONVERSE PETER A
Director
- 5000
40 USD
3 weeks ago
Oct 23, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 68
0 USD
1 month ago
Oct 01, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 497
0 USD
2 months ago
Aug 28, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 656
0 USD
3 months ago
Aug 01, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 201
0 USD
4 months ago
Jul 05, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 545
0 USD
5 months ago
May 21, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 735
0 USD
6 months ago
May 06, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 80
0 USD
7 months ago
Apr 05, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 493
0 USD
8 months ago
Feb 27, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 736
0 USD
8 months ago
Feb 23, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 73
0 USD
10 months ago
Jan 02, 2024
Bought 0 USD
WINTER P CLINTON
Director
+ 443
0 USD
11 months ago
Nov 21, 2023
Bought 24.6 K USD
CONVERSE PETER A
Director
+ 740
33.21 USD
1 year ago
Nov 13, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 937
0 USD
1 year ago
Nov 10, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 85
0 USD
1 year ago
Nov 06, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 80
0 USD
1 year ago
Oct 27, 2023
Bought 11.1 K USD
White Gary G
Director
+ 400
27.8124 USD
1 year ago
Oct 06, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 554
0 USD
1 year ago
Aug 31, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 758
0 USD
1 year ago
Aug 02, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 225
0 USD
1 year ago
Jul 11, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 515
0 USD
1 year ago
Jun 06, 2023
Bought 9.78 K USD
White Gary G
Director
+ 300
32.595 USD
1 year ago
May 25, 2023
Bought 294 K USD
Rice Lacy I III
Director
+ 10000
29.4348 USD
1 year ago
May 17, 2023
Bought 8.63 K USD
White Gary G
Director
+ 300
28.7785 USD
1 year ago
May 16, 2023
Bought 99.7 K USD
Fitzgerald Michael P
Director
+ 3500
28.49 USD
1 year ago
May 16, 2023
Bought 24.9 K USD
Jackson Diana Lewis
Director
+ 875
28.5002 USD
1 year ago
May 15, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 758
0 USD
1 year ago
May 15, 2023
Bought 9.87 K USD
MCNAMARA J PAUL
Director
+ 350
28.205 USD
1 year ago
Apr 04, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 425
0 USD
1 year ago
Feb 28, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 575
0 USD
1 year ago
Feb 24, 2023
Bought 0 USD
WINTER P CLINTON
Director
+ 62
0 USD
1 year ago
Jan 30, 2023
Bought 1.84 K USD
ADAMS RICHARD M SR
Chairman of the Board
+ 47
39.25 USD
1 year ago
Jan 05, 2023
Bought 14.2 K USD
WINTER P CLINTON
Director
+ 360
39.32 USD
1 year ago
Nov 22, 2022
Bought 26.2 K USD
WINTER P CLINTON
Director
+ 615
42.6597 USD
2 years ago
Nov 15, 2022
Sell 107 K USD
MCNAMARA J PAUL
Director
- 2500
42.7525 USD
2 years ago
Nov 04, 2022
Bought 2.56 K USD
WINTER P CLINTON
Director
+ 60
42.65 USD
2 years ago
Oct 14, 2022
Bought 14 K USD
WINTER P CLINTON
Director
+ 359
38.94 USD
2 years ago
Aug 31, 2022
Bought 18.7 K USD
WINTER P CLINTON
director:
+ 500
37.4541 USD
2 years ago
Aug 31, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 500
0 USD
2 years ago
Aug 08, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 63
0 USD
2 years ago
Aug 08, 2022
Bought 2.46 K USD
WINTER P CLINTON
director:
+ 64
38.38 USD
2 years ago
Aug 08, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 64
0 USD
2 years ago
Jul 29, 2022
Bought 7.44 K USD
WINTER P CLINTON
director:
+ 192
38.7428 USD
2 years ago
Jul 29, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 192
0 USD
2 years ago
Jul 15, 2022
Bought 15.7 K USD
WINTER P CLINTON
director:
+ 450
34.8632 USD
2 years ago
Jul 15, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 450
0 USD
2 years ago
May 13, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 488
0 USD
2 years ago
May 13, 2022
Bought 17 K USD
WINTER P CLINTON
director:
+ 489
34.7534 USD
2 years ago
May 13, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 489
0 USD
2 years ago
May 05, 2022
Bought 2.6 K USD
WINTER P CLINTON
director:
+ 74
35.18 USD
2 years ago
May 05, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 74
0 USD
2 years ago
Apr 29, 2022
Bought 202 USD
ADAMS RICHARD M SR
Chairman of the Board
+ 6
33.59 USD
2 years ago
Apr 29, 2022
Bought 261 K USD
ADAMS RICHARD M SR
Chairman of the Board
+ 7770
33.6 USD
2 years ago
Apr 04, 2022
Bought 13.1 K USD
WINTER P CLINTON
director:
+ 377
34.83 USD
2 years ago
Apr 04, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 377
0 USD
2 years ago
Mar 11, 2022
Bought 2.47 K USD
WINTER P CLINTON
director:
+ 70
35.35 USD
2 years ago
Mar 11, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 70
0 USD
2 years ago
Mar 01, 2022
Bought 21.5 K USD
WINTER P CLINTON
director:
+ 605
35.585 USD
2 years ago
Mar 01, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 605
0 USD
2 years ago
Feb 24, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 70
0 USD
2 years ago
Feb 02, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 5
0 USD
2 years ago
Jan 05, 2022
Bought 0 USD
WINTER P CLINTON
Director
+ 326
0 USD
2 years ago
Nov 22, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 565
0 USD
3 years ago
Nov 08, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 60
0 USD
3 years ago
Nov 05, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 240
0 USD
3 years ago
Oct 04, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 330
0 USD
3 years ago
Aug 31, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 455
0 USD
3 years ago
Aug 05, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 71
0 USD
3 years ago
Aug 02, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 221
0 USD
3 years ago
Jul 02, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 312
0 USD
3 years ago
Jun 03, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 69
0 USD
3 years ago
May 13, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 454
0 USD
3 years ago
Apr 21, 2021
Bought 0 USD
WINTER P CLINTON
Director
+ 288
0 USD
3 years ago
Mar 26, 2021
Sell 233 K USD
NESSELROAD MARK R
Director
- 5950
39.1586 USD
3 years ago
Mar 24, 2021
Sell 232 K USD
NESSELROAD MARK R
Director
- 5950
39 USD
3 years ago
Mar 11, 2021
Sell 398 K USD
REXROAD JERRY L
Executive Vice President
- 9998
39.8423 USD
3 years ago
Mar 05, 2021
Sell 1.62 M USD
CONVERSE PETER A
Director
- 41436
39.15 USD
3 years ago
Mar 04, 2021
Sell 196 K USD
CONVERSE PETER A
Director
- 5000
39.24 USD
3 years ago
Mar 05, 2021
Sell 45.8 K USD
CONVERSE PETER A
Director
- 1170.618
39.15 USD
3 years ago
Mar 04, 2021
Bought 3.89 K USD
Harris Patrice A
Director
+ 100
38.86 USD
3 years ago
Mar 04, 2021
Bought 3.99 K USD
Harris Patrice A
Director
+ 104
38.4 USD
3 years ago
Mar 04, 2021
Bought 28.5 K USD
Harris Patrice A
Director
+ 732
38.87 USD
3 years ago
Mar 04, 2021
Bought 81.3 K USD
Harris Patrice A
Director
+ 2090
38.88 USD
7. News
51st Consecutive Year of Dividend Increases for United Bankshares, Inc. WASHINGTON & CHARLESTON, W. Va.--(BUSINESS WIRE)--51st Consecutive Year of Dividend Increases for United Bankshares, Inc. businesswire.com - 1 week ago
United Bankshares (UBSI) Q3 Earnings and Revenues Surpass Estimates United Bankshares (UBSI) came out with quarterly earnings of $0.70 per share, beating the Zacks Consensus Estimate of $0.68 per share. This compares to earnings of $0.71 per share a year ago. zacks.com - 3 weeks ago
Earnings Preview: United Bankshares (UBSI) Q3 Earnings Expected to Decline United Bankshares (UBSI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Buy 7 October Dividend Kings, Watch 10 More A Dividend King is a stock with 50 or more consecutive years of dividend increases per suredividend.com. The 53 Dividend Kings, screened as of October 8, represented 8 of 11 Morningstar Sectors. Broker-targeted top-ten net-gains ranged 13.99%-20.65% topped by Northwest Natural and United Bankshares. By yield, Altria tops all. Top-ten October dogs: HRL, KVUE, FRT, UBSI, FTS, BKH, NWN, CDUAF, UVV, and MO averaged 4.87% in yield. seekingalpha.com - 1 month ago
United Bankshares: This Dividend King Has Not Yet Fulfilled Its Potential United Bankshares (UBSI) remains a buy due to its undervaluation based on TBV per share and its 50-year streak of rising dividends. UBSI's stable NIM, strategic investment portfolio management, successful acquisitions, and solid capital ratios demonstrate its resilience. United's conservative dividend growth makes it attractive for retirees seeking reliable income, with a current yield of 3.94%. seekingalpha.com - 1 month ago
United Bankshares: High-Quality Income Name United Bankshares, Inc. is a dividend growth play with upside, benefiting from rate cuts and increased loan activity, making it a good buy under $40. The Q2 report shows strong performance with revenues of $255.9 million, driven by loan and deposit growth, and improving net interest margins. Asset quality remains strong with nonperforming loans decreasing and stable net charge-offs, indicating well-managed risk despite rising consumer debt. seekingalpha.com - 1 month ago
Buy 7 September Dividend Kings, Watch 9 More "What is a Dividend King? A stock with 50 or more consecutive years of dividend increases.” - suredividend.com. The 53 Dividend Kings, screened as of Sept. 10, represented eight of 11 Morningstar Sectors. Broker-targeted top 10 net gains ranged around 11.59%-35.94%, topped by Emerson and Stephan. By yield, Altria tops all. Top 10 September dogs: HRL, KVUE, FRT, FTS, UBSI, BKH, NWN, CDUAF, UVV, and MO averaged 4.70% in yield. seekingalpha.com - 2 months ago
United Bankshares, Inc. Elects Dr. Sara DuMond to its Board of Directors WASHINGTON & CHARLESTON, W.Va.--(BUSINESS WIRE)--United Bankshares, Inc. Elects Dr. Sara DuMond to its Board of Directors. businesswire.com - 2 months ago
United Bankshares Declares Third Quarter Dividend WASHINGTON & CHARLESTON, W. Va.--(BUSINESS WIRE)--United Bankshares Declares Third Quarter Dividend. businesswire.com - 2 months ago
53 August Dividend Kings: Buy 7, Watch 9 More “What is a Dividend King? A stock with 50 or more consecutive years of dividend increases.”—suredividend.com. The 53 Dividend Kings, screened as of August 6, represented 8 of 11 Morningstar Sectors. Broker-targeted top-ten net-gains ranged 9.36%-31.67% topped-by PPG, and Target. By yield, Altria tops-all. Top-ten August dogs: NFG, FRT, KVUE, FTS, UBSI, BKH, NWN, CDUAF, UVV, & MO averaged 4.92% in yield. seekingalpha.com - 3 months ago
6 Dividend Kings Every Passive Income Investor Should Own 24/7 Insights Dividend King shareholders could see some big upside as rates are lowered over the next two years. 247wallst.com - 3 months ago
United Bankshares (UBSI) Surpasses Q2 Earnings and Revenue Estimates United Bankshares (UBSI) came out with quarterly earnings of $0.71 per share, beating the Zacks Consensus Estimate of $0.65 per share. This compares to earnings of $0.68 per share a year ago. zacks.com - 3 months ago
8. Profile Summary

United Bankshares, Inc. UBSI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 5.71 B
Dividend Yield 1.00%
Description 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.
Contact 300 United Center, Charleston, WV, 25301 https://www.ubsi-inc.com
IPO Date June 4, 1987
Employees 2651
Officers Mr. Richard M. Adams Sr. Executive Chairman of the Board Mr. Douglas Bryon Ernest Executive Vice President & Chief Credit Officer Ms. Julie Ritche Gurtis President & Executive Vice President Mr. Ross M. Draber Executive Vice President & Chief Operating Officer Ms. Ami Lee Shaver Executive Vice President, Head of Human Resources and Director of Retail Sales & Service Mr. James J. Consagra Jr., CPA President Mr. Matthew Lee Humphrey Executive Vice President and Head of Wealth & Investment Management Mr. Richard Matthew Adams Jr., M.D. Chief Executive Officer & Director Mr. W. Mark Tatterson Executive Vice President, Chief Financial Officer & Treasurer Mr. Darren K. Williams Executive Vice President and Chief Information & Risk Officer