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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.53
UBSI's Cash to Debt is ranked lower than
67% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. UBSI: 0.53 )
Ranked among companies with meaningful Cash to Debt only.
UBSI' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.36 Max: No Debt
Current: 0.53
Equity to Asset 0.14
UBSI's Equity to Asset is ranked higher than
80% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBSI: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
UBSI' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.14
Current: 0.14
0.08
0.14
Interest Coverage 4.55
UBSI's Interest Coverage is ranked higher than
77% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. UBSI: 4.55 )
Ranked among companies with meaningful Interest Coverage only.
UBSI' s 10-Year Interest Coverage Range
Min: 0.4  Med: 0.76 Max: 4.55
Current: 4.55
0.4
4.55
F-Score: 4
WACC vs ROIC
7.45%
5.29%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 43.43
UBSI's Operating margin (%) is ranked higher than
78% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. UBSI: 43.43 )
Ranked among companies with meaningful Operating margin (%) only.
UBSI' s 10-Year Operating margin (%) Range
Min: 26.13  Med: 41.75 Max: 53.64
Current: 43.43
26.13
53.64
Net-margin (%) 29.36
UBSI's Net-margin (%) is ranked higher than
72% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. UBSI: 29.36 )
Ranked among companies with meaningful Net-margin (%) only.
UBSI' s 10-Year Net-margin (%) Range
Min: 20.93  Med: 28.25 Max: 38.32
Current: 29.36
20.93
38.32
ROE (%) 8.16
UBSI's ROE (%) is ranked higher than
50% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. UBSI: 8.16 )
Ranked among companies with meaningful ROE (%) only.
UBSI' s 10-Year ROE (%) Range
Min: 8.42  Med: 13.62 Max: 17.27
Current: 8.16
8.42
17.27
ROA (%) 1.11
UBSI's ROA (%) is ranked higher than
68% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UBSI: 1.11 )
Ranked among companies with meaningful ROA (%) only.
UBSI' s 10-Year ROA (%) Range
Min: 0.85  Med: 1.23 Max: 1.92
Current: 1.11
0.85
1.92
ROC (Joel Greenblatt) (%) 184.44
UBSI's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. UBSI: 184.44 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UBSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 112.24  Med: 202.85 Max: 361.9
Current: 184.44
112.24
361.9
Revenue Growth (3Y)(%) 0.50
UBSI's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. UBSI: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.4  Med: 2.50 Max: 10.3
Current: 0.5
-3.4
10.3
EBITDA Growth (3Y)(%) 4.90
UBSI's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UBSI: 4.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.3  Med: 3.20 Max: 20.3
Current: 4.9
-16.3
20.3
EPS Growth (3Y)(%) 6.00
UBSI's EPS Growth (3Y)(%) is ranked lower than
61% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. UBSI: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSI' s 10-Year EPS Growth (3Y)(%) Range
Min: -10.1  Med: 2.30 Max: 23
Current: 6
-10.1
23
» UBSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

UBSI Guru Trades in Q2 2014

Chuck Royce 435,355 sh (+9.98%)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
» More
Q3 2014

UBSI Guru Trades in Q3 2014

Chuck Royce 410,455 sh (-5.72%)
» More
Q4 2014

UBSI Guru Trades in Q4 2014

Jim Simons 19,400 sh (New)
Chuck Royce 405,455 sh (-1.22%)
» More
Q1 2015

UBSI Guru Trades in Q1 2015

Chuck Royce 405,455 sh (unchged)
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with UBSI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 21.37
UBSI's P/E(ttm) is ranked lower than
79% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. UBSI: 21.37 )
Ranked among companies with meaningful P/E(ttm) only.
UBSI' s 10-Year P/E(ttm) Range
Min: 6.6  Med: 15.81 Max: 24.82
Current: 21.37
6.6
24.82
Forward P/E 20.24
UBSI's Forward P/E is ranked lower than
93% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. UBSI: 20.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.60
UBSI's PE(NRI) is ranked lower than
79% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. UBSI: 21.60 )
Ranked among companies with meaningful PE(NRI) only.
UBSI' s 10-Year PE(NRI) Range
Min: 6.6  Med: 16.05 Max: 24.96
Current: 21.6
6.6
24.96
P/B 1.72
UBSI's P/B is ranked lower than
83% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBSI: 1.72 )
Ranked among companies with meaningful P/B only.
UBSI' s 10-Year P/B Range
Min: 0.79  Med: 1.50 Max: 2.65
Current: 1.72
0.79
2.65
P/S 6.25
UBSI's P/S is ranked lower than
88% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. UBSI: 6.25 )
Ranked among companies with meaningful P/S only.
UBSI' s 10-Year P/S Range
Min: 1.9  Med: 4.33 Max: 6.59
Current: 6.25
1.9
6.59
PFCF 18.50
UBSI's PFCF is ranked lower than
72% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. UBSI: 18.50 )
Ranked among companies with meaningful PFCF only.
UBSI' s 10-Year PFCF Range
Min: 5.84  Med: 13.05 Max: 34.28
Current: 18.5
5.84
34.28
POCF 17.55
UBSI's POCF is ranked lower than
78% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. UBSI: 17.55 )
Ranked among companies with meaningful POCF only.
UBSI' s 10-Year POCF Range
Min: 5.65  Med: 12.60 Max: 32.26
Current: 17.55
5.65
32.26
EV-to-EBIT 17.42
UBSI's EV-to-EBIT is ranked lower than
64% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. UBSI: 17.42 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSI' s 10-Year EV-to-EBIT Range
Min: 5.5  Med: 14.80 Max: 22.5
Current: 17.42
5.5
22.5
PEG 3.38
UBSI's PEG is ranked lower than
85% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. UBSI: 3.38 )
Ranked among companies with meaningful PEG only.
UBSI' s 10-Year PEG Range
Min: 1.26  Med: 3.48 Max: 78
Current: 3.38
1.26
78
Shiller P/E 24.00
UBSI's Shiller P/E is ranked lower than
74% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. UBSI: 24.00 )
Ranked among companies with meaningful Shiller P/E only.
UBSI' s 10-Year Shiller P/E Range
Min: 6.05  Med: 14.26 Max: 24.54
Current: 24
6.05
24.54
Days Sales Outstanding 27.18
UBSI's Days Sales Outstanding is ranked higher than
64% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. UBSI: 27.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
UBSI' s 10-Year Days Sales Outstanding Range
Min: 25.84  Med: 42.63 Max: 61.44
Current: 27.18
25.84
61.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.09
UBSI's Dividend Yield is ranked higher than
59% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. UBSI: 3.09 )
Ranked among companies with meaningful Dividend Yield only.
UBSI' s 10-Year Dividend Yield Range
Min: 2.63  Med: 4.12 Max: 8.41
Current: 3.09
2.63
8.41
Dividend Payout 0.66
UBSI's Dividend Payout is ranked lower than
86% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSI: 0.66 )
Ranked among companies with meaningful Dividend Payout only.
UBSI' s 10-Year Dividend Payout Range
Min: 0.42  Med: 0.51 Max: 3.88
Current: 0.66
0.42
3.88
Dividend growth (3y) 1.90
UBSI's Dividend growth (3y) is ranked lower than
70% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UBSI: 1.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
UBSI' s 10-Year Dividend growth (3y) Range
Min: 1.4  Med: 3.40 Max: 9.8
Current: 1.9
1.4
9.8
Yield on cost (5-Year) 3.34
UBSI's Yield on cost (5-Year) is ranked higher than
55% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. UBSI: 3.34 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBSI' s 10-Year Yield on cost (5-Year) Range
Min: 2.86  Med: 4.48 Max: 9.15
Current: 3.34
2.86
9.15
Share Buyback Rate -13.00
UBSI's Share Buyback Rate is ranked lower than
81% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UBSI: -13.00 )
Ranked among companies with meaningful Share Buyback Rate only.
UBSI' s 10-Year Share Buyback Rate Range
Min: 1.3  Med: -0.80 Max: -22.1
Current: -13

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.98
UBSI's Price/Tangible Book is ranked lower than
95% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UBSI: 2.98 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSI' s 10-Year Price/Tangible Book Range
Min: 1.32  Med: 2.47 Max: 5.63
Current: 2.98
1.32
5.63
Price/Projected FCF 1.19
UBSI's Price/Projected FCF is ranked lower than
83% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. UBSI: 1.19 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSI' s 10-Year Price/Projected FCF Range
Min: 0.56  Med: 1.01 Max: 3.48
Current: 1.19
0.56
3.48
Price/Median PS Value 1.46
UBSI's Price/Median PS Value is ranked lower than
84% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UBSI: 1.46 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSI' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.08 Max: 1.63
Current: 1.46
0.55
1.63
Price/Graham Number 1.69
UBSI's Price/Graham Number is ranked lower than
92% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UBSI: 1.69 )
Ranked among companies with meaningful Price/Graham Number only.
UBSI' s 10-Year Price/Graham Number Range
Min: 0.78  Med: 1.37 Max: 3.19
Current: 1.69
0.78
3.19
Earnings Yield (Greenblatt) (%) 5.75
UBSI's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBSI: 5.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBSI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.4  Med: 6.80 Max: 18.3
Current: 5.75
4.4
18.3
Forward Rate of Return (Yacktman) (%) 10.17
UBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. UBSI: 10.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UBSI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.9  Med: 8.50 Max: 19.3
Current: 10.17
-5.9
19.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:UNK.Germany,
United Bankshares Inc 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. It is a bank holding company and offers commercial and retail banking services and products. It also owns nonbank subsidiaries which engage in other community banking services such as asset management, real property title insurance, financial planning, and brokerage services. The Company is permitted to acquire other banks and bank holding companies, as well as thrift institutions. It is also permitted to engage in certain non-banking activities which are closely related to banking under the provisions of the Bank Holding Company Act and the Federal Reserve Board's Regulation Y. The Company, through its subsidiaries, engages primarily in community banking and offers most banking products and services permitted by law and regulation. Included among the banking services offered are the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans; and the making of construction and real estate loans. Also offered are individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of their lending function, the Banking Subsidiaries offer credit card services. United Bank (WV) and United Bank (VA) each maintain a trust department which acts as trustee under wills, trusts and pension and profit sharing plans, as executor and administrator of estates, and as guardian for estates of minors and incompetents, and in addition performs a variety of investment and security services. Trust services are available to customers of affiliate banks. United Bank (WV) provides services to its correspondent banks such as check clearing, safekeeping and the buying and selling of federal funds. The Company's loan portfolio is comprised of commercial, real estate and consumer loans including credit card and home equity loans. The commercial loan portfolio consists of loans to corporate borrowers primarily in small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants. Collateral securing these loans includes equipment, machinery, inventory, receivables, vehicles and commercial real estate. Commercial real estate loans consist of commercial mortgages, which generally are secured by nonresidential and multi-family residential properties. Also included in this portfolio are loans that are secured by owner-occupied real estate, but made for purposes other than the construction or purchase of real estate. Consumer loans are secured by automobiles, boats, recreational vehicles, and other personal property. Personal loans, student loans and unsecured credit card receivables are also included as consumer loans. The Company faces a high degree of competitio
» More Articles for UBSI

Headlines

Articles On GuruFocus.com
5 Value Stocks to Consider Now Mar 30 2012 
Generating Dividend Ideas from Snow Portoflio Jan 11 2012 
Five Show me the money dividend stocks Nov 28 2011 
United Bankshares (U Oct 10 2011 
United Bankshares Inc. Reports Operating Results (10-K) Feb 25 2011 
United Bankshares Inc. Reports Operating Results (10-Q) Aug 05 2010 
United Bankshares Inc. (UBSI) Chairman of the Board & CEO Richard M Sr Adams sells 24,000 Shares May 14 2010 
United Bankshares Inc. Reports Operating Results (10-Q) May 07 2010 
Companies Raising Dividends: McCormick & Company, The York Water Company, Hormel Foods, Becton Dicki Nov 27 2009 
United Bankshares Inc. Reports Operating Results (10-Q) Nov 06 2009 

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