United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $5.61B
• Dividend Yield: 3.73%
• Average Volume (3M): 680.62K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.68
• Revenue Growth: 8.83%
• EPS Growth: 15.49%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.92
• Shares Outstanding: 140,416,600
• 10 Day Avg. Volume: 835,349
• 30 Day Avg. Volume: 680,617
• PEG Ratio: 9.24
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 3.13
• P/FCF Ratio: 11.69
• Enterprise Value/Market Cap: 1.04
• Enterprise Value/Revenue: 3.29
• Enterprise Value/Gross Profit: 5.16
• Enterprise Value/Ebitda: 10.67
• 1Y Price Target: $41.25
• Price Target Upside: 3.28% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.22
• Revenue Forecast (FY): $1.23B

• Rating: 80 Outperform
• Price Target: $44.00 ▲(10.17% Upside)

United Bankshares receives a strong overall score due to its solid financial performance and positive technical indicators. The company's valuation is attractive with a reasonable P/E ratio and a healthy dividend yield. The recent share repurchase plan further supports shareholder value. While the financial performance is robust, there is room for improvement in cash flow efficiency. The technical analysis suggests bullish momentum, although investors should be cautious of potential overbought conditions.

Positive Factors

Share Repurchase Plan

The new share repurchase plan indicates confidence in the company's financial position and commitment to enhancing shareholder value, providing long-term support for stock price stability and potential EPS growth.

Revenue Growth

Consistent revenue growth reflects the company's ability to expand its market reach and maintain competitive positioning, supporting long-term business sustainability and profitability.

Profitability Margins

Improved net profit margins indicate effective cost management and operational efficiency, enhancing the company's ability to generate profits and invest in future growth.

Negative Factors

Cash Flow Efficiency

Challenges in converting accounting profits into cash flow may limit the company's ability to finance operations and growth initiatives, potentially impacting long-term financial flexibility.

Gross Profit Margin Decline

A decline in gross profit margin suggests potential cost pressures, which could affect the company's ability to maintain profitability if not addressed.

Low Operating Cash Flow to Net Income Ratio

A low operating cash flow to net income ratio indicates potential inefficiencies in cash conversion, which could hinder the company's ability to support ongoing operations and strategic investments.

United Bankshares Business Overview & Revenue Model

Company Description

United Bankshares, Inc. (UBSI) is a financial holding company headquartered in Charleston, West Virginia, operating through its subsidiary banks, United Bank and United Bank of Virginia. The company primarily provides a range of banking services including commercial and retail banking, mortgage lending, and wealth management. United Bankshares serves both individual and business customers across the Mid-Atlantic and Southeastern regions of the United States, focusing on delivering personalized financial solutions and maintaining a strong community presence.

How the Company Makes Money

United Bankshares generates revenue primarily through the interest income earned on loans and investments, which constitutes a significant portion of its earnings. The bank makes money by lending to individuals and businesses at higher interest rates than it pays on deposits and other borrowings. Additionally, the company earns non-interest income from various services, including fees from wealth management, mortgage origination, and transaction services. Key revenue streams also include service charges on deposit accounts and interchange fees from debit card transactions. United Bankshares benefits from its strategic partnerships with local businesses and community organizations, which enhances its customer base and contributes to its overall financial performance.

United Bankshares Financial Statement Overview

Summary

United Bankshares demonstrates solid financial health with consistent revenue growth and strong profitability margins. The balance sheet reflects prudent leverage management and a stable equity position. Cash flow metrics indicate efficient cash conversion, although there is room for improvement in operating cash flow generation.

Income Statement

United Bankshares shows strong revenue growth with a TTM increase of 3.6%, building on consistent annual growth. The gross profit margin remains robust at 63.8% TTM, indicating efficient cost management. Net profit margin improved to 24.4% TTM, reflecting enhanced profitability. EBIT and EBITDA margins are stable, suggesting operational efficiency. However, the slight decline in gross profit margin from previous years indicates potential cost pressures.

Balance Sheet

The company maintains a healthy debt-to-equity ratio of 0.15 TTM, showcasing prudent leverage management. Return on equity is solid at 8.1% TTM, indicating effective use of equity to generate profits. The equity ratio is strong, reflecting a stable financial structure. However, the decrease in debt-to-equity ratio over the years suggests improved financial stability, but the relatively low ROE compared to industry peers may indicate room for improvement in profitability.

Cash Flow

Operating cash flow and free cash flow have shown positive growth, with free cash flow increasing by 8.0% TTM. The free cash flow to net income ratio is high at 97.3%, indicating efficient cash conversion. However, the operating cash flow to net income ratio is low, suggesting potential challenges in converting accounting profits into cash flow. Overall, the cash flow position is strong, supporting future growth and debt servicing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.76B	1.62B	1.53B	1.15B	1.06B	1.14B
Gross Profit	1.13B	1.00B	1.02B	1.02B	1.03B	922.62M
EBITDA	544.56M	474.98M	486.91M	499.45M	470.76M	343.30M
Net Income	430.18M	373.00M	366.31M	379.63M	367.74M	289.02M
Balance Sheet
Total Assets	33.41B	30.02B	29.93B	29.49B	29.33B	26.18B
Cash, Cash Equivalents and Short-Term Investments	2.82B	2.55B	5.38B	5.72B	7.80B	5.16B
Total Debt	796.33M	803.28M	2.08B	2.43B	1.03B	1.08B
Total Liabilities	27.96B	25.03B	25.16B	24.97B	24.61B	21.89B
Stockholders Equity	5.45B	4.99B	4.77B	4.52B	4.72B	4.30B
Cash Flow
Free Cash Flow	493.47M	433.33M	423.55M	743.96M	594.16M	121.42M
Operating Cash Flow	496.27M	445.45M	435.24M	760.82M	609.54M	140.45M
Investing Cash Flow	-510.68M	571.49M	38.99M	-3.45B	15.65M	137.59M
Financing Cash Flow	624.30M	-323.64M	-51.94M	105.32M	923.91M	1.09B

United Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.94
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 39.94 is above the 20-day moving average (MA) of 38.26, above the 50-day MA of 36.67, and above the 200-day MA of 35.62, indicating a bullish trend. The MACD of 0.98 indicates Negative momentum. The RSI at 70.32 is Negative, neither overbought nor oversold. The STOCH value of 84.46 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
UBSI	80 Outperform	$5.61B	13.10	8.24%	3.73%	8.83%	15.49%
ABCB	78 Outperform	$5.30B	13.42	10.34%	1.02%	2.20%	20.88%
HOMB	77 Outperform	$5.56B	12.32	11.20%	2.83%	1.43%	19.58%
GBCI	74 Outperform	$5.93B	22.28	6.92%	2.89%	8.73%	26.19%
HWC	72 Outperform	$5.50B	11.80	11.11%	2.73%	-0.78%	25.39%
OZK	70 Outperform	$5.36B	7.63	12.35%	3.68%	2.79%	2.11%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

United Bankshares Corporate Events

United Bankshares Announces New Share Repurchase Plan

On November 20, 2025, United Bankshares, Inc. announced the approval of a new plan to repurchase up to 5 million shares of its common stock, replacing the previous 2022 Plan. This initiative, which represents approximately 3.6% of the company’s total shares, is aimed at capital management and enhancing shareholder value. The repurchases will be conducted through various means, adhering to relevant laws and regulations. The 2025 Plan allows flexibility in the timing, price, and quantity of purchases and can be adjusted based on market conditions. Shares repurchased will support employee benefit programs and potential acquisitions.