United Bankshares Financials

UBSI Stock  USD 34.38  0.33  0.95%   
Based on the key indicators related to United Bankshares' liquidity, profitability, solvency, and operating efficiency, United Bankshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. As of now, United Bankshares' Property Plant And Equipment Net is increasing as compared to previous years. The United Bankshares' current Retained Earnings is estimated to increase to about 2 B, while Short and Long Term Debt Total is projected to decrease to under 82.4 M. Key indicators impacting United Bankshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.220.2483
Fairly Down
Pretty Stable
Return On Assets0.01310.0124
Notably Up
Slightly volatile
Return On Equity0.120.0747
Way Up
Very volatile
Debt Equity Ratio0.01650.0174
Notably Down
Slightly volatile
Current Ratio36.1638.0632
Notably Down
Pretty Stable
The essential information of the day-to-day investment outlook for United Bankshares includes many different criteria found on its balance sheet. An individual investor should monitor United Bankshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in United Bankshares.

Net Income

391.65 Million

  

United Bankshares Stock Summary

United Bankshares competes with Peoples Bancorp, Eagle Bancorp, Northrim BanCorp, Pacific Premier, and Bank of Marin. United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia. United Bkshs operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2988 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9099071071
CUSIP909907107
LocationWest Virginia; U.S.A
Business Address300 United Center,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ubsi-inc.com
Phone304 424 8716
CurrencyUSD - US Dollar

United Bankshares Key Financial Ratios

United Bankshares Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets26.2B29.3B29.5B29.9B30.0B31.5B
Other Current Liab(142.3M)(128.8M)(160.7M)92.9M(86.8M)(82.4M)
Net Debt(1.1B)(2.7B)1.3B284.2M(153.9M)(146.2M)
Retained Earnings1.2B1.4B1.6B1.7B1.9B2.0B
Cash2.2B3.8B1.2B1.6B240.7M228.6M
Other Assets15.9B15.2B21.5B(2.5B)24.6B25.8B
Net Receivables66.8M64.5M94.9M111.4M102.4M107.5M
Total Liab21.9B24.6B25.0B25.2B25.0B26.3B
Total Current Assets5.2B7.9B5.8B4.2B3.3B5.0B
Short Term Debt142.3M128.8M160.7M1.7B86.8M82.4M
Common Stock334.5M353.4M355.0M355.6M356.7M338.9M
Other Liab1.7M221.6M227.1M46.2M53.1M73.9M
Accounts Payable170.3M202.3M23.4B189.7M170.8M162.2M
Inventory(2.3B)(3.8B)2.1M1.5B1.3B1.4B
Treasury Stock(137.8M)(159.1M)(170.6M)(250.4M)(225.4M)(214.1M)
Intangible Assets47.9M47.6M39.9M4.6M4.1M3.9M
Long Term Debt279.8M817.4M2.2B1.8B540.4M582.0M
Other Current Assets2.3B3.8B1.3B1.7B1.5B1.5B
Net Tangible Assets1.9B2.5B2.8B2.6B3.0B1.6B
Long Term Debt Total236.2M279.8M285.2M286.9M329.9M255.6M
Capital Surpluse2.1B2.9B3.1B3.2B3.6B3.8B

United Bankshares Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense108.6M52.4M105.6M481.4M591.1M620.6M
Operating Income363.6M462.9M585.8M436.2M(1.1B)(1.0B)
Ebit349.9M237.3M424.7M436.2M501.7M526.8M
Ebitda370.2M259.8M448.5M459.3M528.2M554.7M
Net Income289.0M367.7M379.6M366.3M373.0M391.6M
Income Tax Expense74.6M95.1M100.6M97.5M91.6M96.2M
Total Revenue1.0B1.0B1.0B1.5B1.5B1.6B
Gross Profit1.0B1.0B1.0B1.0B1.5B1.6B
Income Before Tax363.6M462.9M480.3M463.8M464.6M487.8M
Tax Provision74.6M95.1M100.6M99.3M91.6M95.9M
Net Interest Income693.7M742.7M900.9M939.6M911.1M738.4M
Interest Income802.3M795.1M1.0B1.3B1.5B928.8M

United Bankshares Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.4B1.5B(2.6B)422.3M11.3M10.7M
Free Cash Flow121.4M594.2M744.0M423.6M216.6M151.8M
Depreciation(16.4M)7.9M23.7M23.1M141K134.0K
Other Non Cash Items(176.7M)190.6M309.9M37.6M(165.3M)(157.0M)
Dividends Paid162.7M181.3M193.0M(194.7M)(200.7M)(190.7M)
Capital Expenditures19.0M15.4M16.9M11.7M12.1M6.2M
Net Income289.0M367.7M379.6M366.3M373.0M391.6M
End Period Cash Flow2.2B3.8B1.2B1.6B249.5M237.0M
Investments(359.6M)104.0M(3.4B)(340.4M)571.5M600.1M
Change Receivables2.5M1.1M2.6M(30.4M)(27.3M)(26.0M)
Net Borrowings363.3M(1.6B)(138.0M)1.4B1.6B1.7B
Change To Netincome(107.5M)(170.9M)201.8M322.3M370.7M389.2M

United Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining United Bankshares's current stock value. Our valuation model uses many indicators to compare United Bankshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across United Bankshares competition to find correlations between indicators driving United Bankshares's intrinsic value. More Info.
United Bankshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.16  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for United Bankshares is roughly  6.16 . As of now, United Bankshares' Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the United Bankshares' earnings, one of the primary drivers of an investment's value.

United Bankshares Systematic Risk

United Bankshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. United Bankshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on United Bankshares correlated with the market. If Beta is less than 0 United Bankshares generally moves in the opposite direction as compared to the market. If United Bankshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one United Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of United Bankshares is generally in the same direction as the market. If Beta > 1 United Bankshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in United Bankshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various United Bankshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of United Bankshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

9.72

As of now, United Bankshares' Price Earnings To Growth Ratio is decreasing as compared to previous years.

United Bankshares March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of United Bankshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of United Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of United Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing United Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build United Bankshares's daily price indicators and compare them against related drivers.

Complementary Tools for United Stock analysis

When running United Bankshares' price analysis, check to measure United Bankshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Bankshares is operating at the current time. Most of United Bankshares' value examination focuses on studying past and present price action to predict the probability of United Bankshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Bankshares' price. Additionally, you may evaluate how the addition of United Bankshares to your portfolios can decrease your overall portfolio volatility.
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