United Bankshares, Inc.

$ 44.42 0.52 %

Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.

CEO: Richard Matthew Adams Jr. - https://www.ubsi-inc.com

Price objectif

$46.67 5.07 %

Recommandation

Hold

DCF

$ 56.60

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UBSI vs S&P500

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Quick ratio

33.20

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

12.44

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.57

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.26 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

6.58 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.21

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.14

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

3.78

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

42.00 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
9 indicates good financial health
Altman score
0.53 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
13.87 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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