A Business at a Glance
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Item 1. BUSINESS Organizational History and Subsidiaries United Bankshares, Inc. (“United,” “we,” “us,” “our,” or the “Company”) is a West Virginia corporation registered as a financial holding company pursuant to the Bank Holding Company Act of 1956, as amended. United was incorporated on March 26, 1982, organized on September 9, 1982, and began conducting business on May 1, 1984 with the acquisition of three wholly-owned subsidiaries. Since its formation in 1982, United has acquired thirty-three banking institutions. United has one banking subsidiary “doing business” under the name of United Bank, operating under the laws of Virginia. United Bank offers a full range of commercial and retail banking services and products. United also owns nonbank subsidiaries which engage in other community banking services such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. Web Site Address United’s web site address is “www.ubsi-inc.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.8B | 1.6B | 1.5B | 1.2B | 1.1B |
| Net Income | 464M | 464M | 372M | 365M | 379M | 367M |
| EPS | $3.27 | $3.27 | $2.75 | $2.71 | $2.80 | $2.83 |
| Free Cash Flow | 481M | 481M | 433M | 424M | 744M | 594M |
| ROIC | 9.6% | 8.0% | 6.2% | 5.5% | 6.2% | 6.9% |
| Gross Margin | 65.0% | 65.0% | 62.1% | 66.6% | 89.2% | 92.9% |
| Debt/Equity | 0.34 | 0.34 | 0.16 | 0.42 | 0.52 | 0.20 |
| Dividends/Share | $1.47 | $1.49 | $1.48 | $1.45 | $1.44 | $1.41 |
| Operating Income | 583M | 583M | 465M | 464M | 476M | 463M |
| Operating Margin | 32.0% | 32.0% | 28.6% | 30.2% | 41.2% | 43.1% |
| ROE | 8.4% | 8.8% | 7.6% | 7.9% | 8.2% | 8.1% |
| Shares Outstanding | 142M | 142M | 135M | 135M | 135M | 130M |
UNITED BANKSHARES INC/WV passes 5 of 9 quality checks, suggesting mixed fundamentals.
UNITED BANKSHARES INC/WV trades at 13.4x trailing earnings, compared to its 15-year median P/E of 12.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.7x vs a median of 11.3x. The company's 5-year average ROIC is 6.5% with a gross margin of 75.2%. Total shareholder yield (dividends + buybacks) is 5.4%. At current prices, the estimated annualized return to fair value is +13.3%.
UNITED BANKSHARES INC/WV (UBSI) has a current P/E ratio of 13.4, compared to its historical median P/E of 12.4. The stock is currently considered Fair based on its historical valuation range.
UNITED BANKSHARES INC/WV (UBSI) has a 5-year average return on invested capital (ROIC) of 6.5%. This is below average and may indicate limited pricing power.
UNITED BANKSHARES INC/WV (UBSI) has a market capitalization of $6.2B. It is classified as a mid-cap stock.
Yes, UNITED BANKSHARES INC/WV (UBSI) pays a dividend with a trailing twelve-month yield of 3.35%. The company also returns capital through share buybacks, with a buyback yield of 2.04%.
Based on historical P/E analysis, UNITED BANKSHARES INC/WV (UBSI) appears fair. The current P/E of 13.4 is 9% above its historical median of 12.4. The estimated fair value CAGR (P/E method) is 3.4%.
UNITED BANKSHARES INC/WV (UBSI) operates in the State Commercial Banks industry, within the Financials sector.
UNITED BANKSHARES INC/WV (UBSI) reported annual revenue of $1.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
UNITED BANKSHARES INC/WV (UBSI) has a net profit margin of 25.5%. This is a strong margin indicating high profitability.
UNITED BANKSHARES INC/WV (UBSI) generated $481 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNITED BANKSHARES INC/WV (UBSI) has a debt-to-equity ratio of 0.34. This indicates a conservatively financed balance sheet.
UNITED BANKSHARES INC/WV (UBSI) reported earnings per share (EPS) of $3.27 in its most recent fiscal year.
UNITED BANKSHARES INC/WV (UBSI) has a return on equity (ROE) of 8.8%. This indicates moderate shareholder returns.
UNITED BANKSHARES INC/WV (UBSI) has a 5-year average gross margin of 75.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for UNITED BANKSHARES INC/WV (UBSI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNITED BANKSHARES INC/WV (UBSI) has a book value per share of $38.77, based on its most recent annual SEC filing.
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