United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $5.34B
• Dividend Yield: 3.94%
• Average Volume (3M): 752.36K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 0.90
• Revenue Growth: 6.59%
• EPS Growth: 2.88%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 142,059,590
• 10 Day Avg. Volume: 1,224,979
• 30 Day Avg. Volume: 752,356
• PEG Ratio: 3.71
• Price to Book (P/B): 1.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 28.75
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 0.93
• Enterprise Value/Gross Profit: 3.73
• Enterprise Value/Ebitda: 6.46
• 1Y Price Target: $40.67
• Price Target Upside: 6.89% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 70 Outperform
• Price Target: $39.00 ▲(2.50%Upside)

United Bankshares receives a solid score driven primarily by strong financial performance, supported by consistent revenue growth and robust cash flow. While technical analysis presents mixed signals, the company's reasonable valuation and attractive dividend yield bolster its investment appeal.

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, Inc. generates revenue primarily through its banking operations, which include interest income from loans and investment securities, as well as non-interest income from service charges, fees, and commissions on various financial products and services. The company offers a variety of loan products, such as commercial loans, consumer loans, and real estate loans, which contribute significantly to its interest income. Additionally, UBSI earns money from its deposit products, where it manages customer deposits and earns interest spread. The company's revenue streams are also enhanced by its trust and investment services, which provide asset management and advisory services. Key factors contributing to its earnings include effective risk management practices, strategic branch locations, and a focus on customer relationships. Partnerships with other financial institutions and technology providers further support its operations and expand its service offerings.

United Bankshares Financial Statement Overview

Summary

United Bankshares demonstrates solid financial performance with strong revenue growth and profitability margins. The balance sheet is stable with a robust equity position, though cash reserves are decreasing. Cash flow generation is adequate but declining free cash flow growth is a concern.

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	1.03B	1.50B	1.03B	1.01B	1.04B
Gross Profit	1.03B	1.02B	1.03B	1.01B	1.04B
EBITDA	0.00	0.00	448.49M	259.83M	0.00
Net Income	373.00M	366.31M	379.63M	367.74M	289.02M
Balance Sheet
Total Assets	30.02B	29.93B	29.49B	29.33B	26.18B
Cash, Cash Equivalents and Short-Term Investments	3.20B	4.04B	5.72B	7.80B	5.16B
Total Debt	627.19M	1.88B	2.43B	1.03B	1.08B
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	433.33M	423.55M	743.96M	594.16M	121.42M
Operating Cash Flow	445.45M	435.24M	760.82M	609.54M	140.45M
Investing Cash Flow	571.49M	38.99M	-3.45B	15.65M	137.59M
Financing Cash Flow	-323.64M	-51.94M	105.32M	923.91M	1.09B

United Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 38.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Positive. The current price of 38.05 is above the 20-day moving average (MA) of 35.99, above the 50-day MA of 35.62, and above the 200-day MA of 36.37, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 66.87 is Neutral, neither overbought nor oversold. The STOCH value of 89.40 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$5.42B	11.88	7.40%	3.19%	10.34%	2.54%
OZK	76 Outperform	$5.55B	8.02	12.85%	3.38%	13.85%	2.43%
VLY	71 Outperform	$5.15B	13.39	5.48%	4.79%	1.48%	-18.84%
UBSI	70 Outperform	$5.34B	13.93	7.30%	3.94%	6.59%	2.88%
FFIN	69 Neutral	$5.33B	23.06	14.60%	2.04%	16.01%	15.70%
Sector *	67 Neutral	$16.86B	11.64	9.71%	3.83%	11.61%	-9.60%
FLG	50 Neutral	$4.55B	―	-10.40%	0.36%	-8.17%	73.59%

United Bankshares Corporate Events

United Bankshares Approves 2025 Equity Incentive Plan

On May 14, 2025, United Bankshares, Inc. held its Annual Meeting where shareholders approved the adoption of the 2025 Equity Incentive Plan. The meeting also saw the election of fifteen directors for a one-year term, the ratification of Ernst & Young LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, and an advisory approval of the compensation for United’s named executive officers. These decisions reflect the company’s ongoing governance and strategic planning efforts.

The most recent analyst rating on (UBSI) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on United Bankshares stock, see the UBSI Stock Forecast page.