United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $4.56B
• Dividend Yield: 4.65%
• Average Volume (3M): 987.30K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.98
• Revenue Growth: 6.80%
• EPS Growth: 1.48%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 2.75
• Shares Outstanding: 143,466,830
• 10 Day Avg. Volume: 1,139,704
• 30 Day Avg. Volume: 987,301
• PEG Ratio: 7.79
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.81
• Price to Cash Flow (P/CF): 10.00
• P/FCF Ratio: 5.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $41.75
• Price Target Upside: 31.12% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

United Bankshares exhibits a stable financial position with consistent revenue growth and strong profitability, but faces challenges in cash flow management. Technically, the stock shows bearish momentum, though valuations remain appealing with a decent dividend yield. The absence of new earnings call insights or corporate events provides no additional information to alter the outlook.

United Bankshares Business Overview & Revenue Model

Company 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.

How the Company Makes Money

United Bankshares generates revenue primarily through the interest income derived from its loan portfolio, which includes personal, commercial, and real estate loans. The company also earns income from fees and charges associated with various banking services such as account maintenance, transaction processing, and ATM usage. Additionally, United Bankshares benefits from investment management and brokerage services, enhancing its non-interest income. The company's financial performance is further supported by strategic acquisitions and partnerships, which expand its market reach and customer base, thereby contributing to its overall earnings.

United Bankshares Financial Statement Overview

Summary

United Bankshares demonstrates solid revenue and net income growth, with strong profitability margins. The balance sheet is stable with a low debt-to-equity ratio, but declining cash reserves and free cash flow growth could pose future challenges.

Income Statement

United Bankshares has demonstrated solid revenue and net income growth over recent years, with a modest revenue growth rate of approximately 1.3% from 2022 to 2023. The net profit margin is strong, reflecting efficient management and operational excellence. However, the absence of EBIT and EBITDA data for 2024 makes it challenging to fully assess the company's operational efficiency.

Balance Sheet

The company maintains a strong equity base with an equity ratio of around 16.65% in 2024, indicating a stable financial structure. The debt-to-equity ratio is low, reflecting conservative leverage usage, which reduces financial risk. However, a declining trend in cash and cash equivalents could indicate potential liquidity challenges if not managed carefully.

Cash Flow

United Bankshares shows a positive free cash flow, though it decreased from 2023 to 2024. The operating cash flow to net income ratio remains healthy, suggesting good cash generation relative to earnings. The decline in free cash flow growth is a concern and should be monitored for future liquidity management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.50B	1.50B	1.03B	1.01B	1.04B
	Gross Profit
1.50B	1.02B	1.03B	1.01B	1.04B
	EBIT
-1.07B	436.23M	585.81M	462.85M	363.63M
	EBITDA
0.00	0.00	448.49M	259.83M	0.00
	Net Income Common Stockholders
373.00M	366.31M	379.63M	367.74M	289.02M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.20B	4.04B	5.72B	7.80B	5.16B
	Total Assets
30.02B	29.93B	29.49B	29.33B	26.18B
	Total Debt
86.77M	1.88B	2.43B	1.03B	1.08B
	Net Debt
-153.88M	284.21M	1.26B	-2.73B	-1.13B
	Total Liabilities
25.03B	25.16B	24.97B	24.61B	21.89B
	Stockholders Equity
4.99B	4.77B	4.52B	4.72B	4.30B
Cash Flow		Free Cash Flow
216.63M	423.55M	743.96M	594.16M	121.42M
	Operating Cash Flow
216.63M	435.24M	760.82M	609.54M	140.45M
	Investing Cash Flow
-8.87M	38.99M	-3.45B	15.65M	137.59M
	Financing Cash Flow
-196.49M	-51.94M	105.32M	923.91M	1.09B

United Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 31.84
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Negative. The current price of 31.84 is below the 20-day moving average (MA) of 33.83, below the 50-day MA of 35.24, and below the 200-day MA of 36.55, indicating a bearish trend. The MACD of -0.35 indicates Negative momentum. The RSI at 42.51 is Neutral, neither overbought nor oversold. The STOCH value of 28.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UBSI.

United Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNB	78 Outperform	$4.24B	9.32	7.53%	4.07%	15.34%	-3.89%
WBS	75 Outperform	$7.23B	9.65	8.54%	3.78%	5.86%	-10.72%
BANF	70 Outperform	$3.42B	15.97	14.16%	1.76%	12.93%	1.40%
Sector *	64 Neutral	$13.37B	9.30	9.39%	4.85%	16.11%	-8.85%
WASH	63 Neutral	$505.04M	12.16	-5.77%	8.57%	-14.04%	-155.40%
FULT	62 Neutral	$2.77B	9.67	9.69%	4.54%	21.10%	-4.20%
UBSI	61 Neutral	$4.56B	11.54	7.62%	4.65%	6.80%	1.48%