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Company Analysis

United Bankshares, Inc. UBSI

A comprehensive view of key metrics, scores, and financial health for United Bankshares, Inc.

Overview of United Bankshares, Inc.

UBSI NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
United Bankshares, Inc. (UBSI), is a Mid Cap company, in the Banks - Regional industry, last closed at $45.65, about 12.4% overvalued vs fair value, +29.6% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 76.8% ROE 8.9% Gross Margin 65.4%
USD 45.65
1.49%
(Delayed)
• Vol 90d: 22.0%
52-Week Range
Market Cap
$6.18B
Enterprise Value
$4.56B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.ubsi-inc.com
HQ Charleston, WV
Employees 2,740
Fiscal year Dec 31

Next Events

Dividend Jul 1
Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$40
$75
Current: $45.65 -12% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.5B
7.2%%
Interest Expense
$583.7M
Net Interest Income
$911.1M
-1%%
Total Revenue
$1.8B
76.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$201.8M
54.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating United Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
74
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UBSI's balance between Growth (35.2%), Profitability (32.5%), and Safety (32.4%). Growth 35% Safety 32% Profitability 32%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
53
Key Signals
Asset Growth YoY 12.1% 80p NII Growth YoY -1.0% 39p EPS Growth YoY 1.5% 45p Equity Growth YoY 4.7% 37p
Strengths
  • Asset Growth YoY in top 20% of peers (12.1%, 80th percentile)
  • Equity/Assets in top 20% of peers (16.3%, 87th percentile)
  • Dividends/Tangible Equity in top 20% of peers (6.7%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for United Bankshares, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$39.99
- - -
-12.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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