United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $5.20B
• Dividend Yield: 4.04%
• Average Volume (3M): 931.41K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.90
• Revenue Growth: 8.07%
• EPS Growth: 6.94%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 142,059,590
• 10 Day Avg. Volume: 982,981
• 30 Day Avg. Volume: 931,406
• PEG Ratio: -7.78
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.18
• Enterprise Value/Market Cap: 0.59
• Enterprise Value/Revenue: 1.65
• Enterprise Value/Gross Profit: 6.61
• Enterprise Value/Ebitda: 13.15
• 1Y Price Target: $40.67
• Price Target Upside: 11.15% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 70 Outperform
• Price Target: $39.00 ▲(6.59%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 shows strong financials with consistent revenue growth, solid profit margins, and stable financial management. The balance sheet reflects conservative leverage, enhancing stability, while robust cash flow supports operational flexibility and growth.

Income Statement

United Bankshares has demonstrated consistent revenue growth, with a notable increase in total revenue over the past two years. The gross profit margin remains strong at 61.5% for TTM, indicating efficient cost management. Net profit margin is slightly lower than in previous periods but is still healthy at 22.4% for TTM. The EBIT and EBITDA margins are stable, showcasing operational efficiency. Overall, the company exhibits solid profitability and growth trends.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.15 in TTM, suggesting conservative leverage. The equity ratio is a solid 16.1%, indicating a strong equity base relative to total assets. Return on equity stands at 7.0% for TTM, which is moderate and suggests room for improvement. The company's balance sheet demonstrates stability and a low-risk profile with prudent financial management.

Cash Flow

Cash flow analysis reveals robust operating cash flow relative to net income, with a ratio of 1.19, indicating strong cash generation capability. Free cash flow has remained positive and consistent, with a slight decrease in growth rate but still maintaining healthy levels. The free cash flow to net income ratio of 1.16 indicates efficient conversion of earnings into cash, supporting the company's financial flexibility and ability to fund operations and growth.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.62B	1.53B	1.15B	1.06B	1.14B
Gross Profit	1.00B	1.02B	1.02B	1.03B	922.62M
EBITDA	474.98M	486.91M	499.45M	470.76M	343.30M
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	2.55B	5.38B	5.72B	7.80B	5.16B
Total Debt	803.28M	2.08B	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: Neutral
• Last Price: 36.59
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Neutral. The current price of 36.59 is below the 20-day moving average (MA) of 37.37, above the 50-day MA of 36.51, and above the 200-day MA of 36.49, indicating a neutral trend. The MACD of 0.18 indicates Positive momentum. The RSI at 46.94 is Neutral, neither overbought nor oversold. The STOCH value of 39.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UBSI.

United Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	79 Outperform	$5.91B	8.53	12.68%	3.26%	7.12%	2.56%
FNB	79 Outperform	$5.80B	12.51	7.41%	3.08%	7.51%	8.42%
VLY	74 Outperform	$5.34B	12.49	6.33%	4.62%	0.20%	9.86%
FFIN	71 Outperform	$5.27B	21.48	15.09%	1.98%	14.64%	21.78%
UBSI	70 Outperform	$5.20B	13.67	7.71%	4.04%	8.07%	6.94%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
FLG	51 Neutral	$5.00B	―	-10.40%	0.33%	-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.