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Also traded in: Germany

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 0.65
UBSI's Cash to Debt is ranked lower than
69% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. UBSI: 0.65 )
Ranked among companies with meaningful Cash to Debt only.
UBSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.38 Max: 2.32
Current: 0.65
0.12
2.32
Equity to Asset 0.14
UBSI's Equity to Asset is ranked higher than
81% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.14
Current: 0.14
0.08
0.14
Interest Coverage 4.95
UBSI's Interest Coverage is ranked higher than
80% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UBSI: 4.95 )
Ranked among companies with meaningful Interest Coverage only.
UBSI' s Interest Coverage Range Over the Past 10 Years
Min: 0.61  Med: 1.61 Max: 5.15
Current: 4.95
0.61
5.15
F-Score: 4
M-Score: -2.61
WACC vs ROIC
8.37%
6.72%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 43.98
UBSI's Operating margin (%) is ranked higher than
77% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. UBSI: 43.98 )
Ranked among companies with meaningful Operating margin (%) only.
UBSI' s Operating margin (%) Range Over the Past 10 Years
Min: 26.13  Med: 37.87 Max: 48.4
Current: 43.98
26.13
48.4
Net-margin (%) 29.42
UBSI's Net-margin (%) is ranked higher than
70% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. UBSI: 29.42 )
Ranked among companies with meaningful Net-margin (%) only.
UBSI' s Net-margin (%) Range Over the Past 10 Years
Min: 22.47  Med: 26.27 Max: 33.22
Current: 29.42
22.47
33.22
ROE (%) 7.67
UBSI's ROE (%) is ranked lower than
56% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. UBSI: 7.67 )
Ranked among companies with meaningful ROE (%) only.
UBSI' s ROE (%) Range Over the Past 10 Years
Min: 7.67  Med: 9.12 Max: 14.06
Current: 7.67
7.67
14.06
ROA (%) 1.06
UBSI's ROA (%) is ranked higher than
63% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. UBSI: 1.06 )
Ranked among companies with meaningful ROA (%) only.
UBSI' s ROA (%) Range Over the Past 10 Years
Min: 0.85  Med: 1.04 Max: 1.33
Current: 1.06
0.85
1.33
Revenue Growth (3Y)(%) -1.30
UBSI's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UBSI: -1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 2 Max: 10.4
Current: -1.3
-3.4
10.4
EBITDA Growth (3Y)(%) 4.00
UBSI's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UBSI: 4.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.3  Med: 3.6 Max: 20.3
Current: 4
-16.3
20.3
EPS Growth (3Y)(%) 6.50
UBSI's EPS Growth (3Y)(%) is ranked lower than
52% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UBSI: 6.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.1  Med: 4 Max: 23
Current: 6.5
-10.1
23
» UBSI's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-28)


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

» Details

Guru Trades

Q4 2015

UBSI Guru Trades in Q4 2015

Paul Tudor Jones 5,431 sh (New)
Chuck Royce 185,955 sh (-44.23%)
» More
Q1 2016

UBSI Guru Trades in Q1 2016

Jim Simons 8,000 sh (New)
Paul Tudor Jones 6,299 sh (+15.98%)
Chuck Royce Sold Out
» More
Q2 2016

UBSI Guru Trades in Q2 2016

Paul Tudor Jones 6,562 sh (+4.18%)
Jim Simons Sold Out
» More
Q3 2016

UBSI Guru Trades in Q3 2016

Paul Tudor Jones 6,420 sh (-2.16%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:BOH, NAS:TCBI, NYSE:ASB, NAS:CHFC, NYSE:WBS, NAS:MBFI, NAS:WTFC, NYSE:BKU, NAS:PVTB, NAS:UMBF, NAS:HOMB, NAS:IBKC, OTCPK:FCNCB, NAS:HBHC, NYSE:FNB, NAS:UMPQ, NYSE:STL, NAS:PNFP, NAS:FFIN, NYSE:TCB » details
Traded in other countries:UNK.Germany,
United Bankshares Inc is a bank holding company. The Company, through its subsidiaries, offers commercial, retail and community banking services and products.

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 in community banking and offers 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 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 competition in all of the markets i

Ratios

vs
industry
vs
history
P/E(ttm) 23.24
UBSI's P/E(ttm) is ranked lower than
82% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. UBSI: 23.24 )
Ranked among companies with meaningful P/E(ttm) only.
UBSI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.6  Med: 16.24 Max: 24.83
Current: 23.24
6.6
24.83
Forward P/E 21.93
UBSI's Forward P/E is ranked lower than
93% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. UBSI: 21.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.24
UBSI's PE(NRI) is ranked lower than
82% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. UBSI: 23.24 )
Ranked among companies with meaningful PE(NRI) only.
UBSI' s PE(NRI) Range Over the Past 10 Years
Min: 6.6  Med: 16.24 Max: 24.83
Current: 23.24
6.6
24.83
Price/Owner Earnings (ttm) 25.61
UBSI's Price/Owner Earnings (ttm) is ranked lower than
83% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. UBSI: 25.61 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UBSI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.79  Med: 16.9 Max: 26.28
Current: 25.61
6.79
26.28
P/B 1.72
UBSI's P/B is ranked lower than
80% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. UBSI: 1.72 )
Ranked among companies with meaningful P/B only.
UBSI' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.47 Max: 2.55
Current: 1.72
0.79
2.55
P/S 6.82
UBSI's P/S is ranked lower than
88% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. UBSI: 6.82 )
Ranked among companies with meaningful P/S only.
UBSI' s P/S Range Over the Past 10 Years
Min: 1.9  Med: 4.3 Max: 6.98
Current: 6.82
1.9
6.98
PFCF 19.00
UBSI's PFCF is ranked lower than
71% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. UBSI: 19.00 )
Ranked among companies with meaningful PFCF only.
UBSI' s PFCF Range Over the Past 10 Years
Min: 5.83  Med: 13.64 Max: 22.23
Current: 19
5.83
22.23
POCF 18.42
UBSI's POCF is ranked lower than
78% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. UBSI: 18.42 )
Ranked among companies with meaningful POCF only.
UBSI' s POCF Range Over the Past 10 Years
Min: 5.65  Med: 13.24 Max: 20.22
Current: 18.42
5.65
20.22
EV-to-EBIT 19.28
UBSI's EV-to-EBIT is ranked lower than
71% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. UBSI: 19.28 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.5  Med: 13.9 Max: 19.9
Current: 19.28
5.5
19.9
EV-to-EBITDA 19.18
UBSI's EV-to-EBITDA is ranked lower than
76% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. UBSI: 19.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.5  Med: 13.9 Max: 19.9
Current: 19.18
5.5
19.9
PEG 6.82
UBSI's PEG is ranked lower than
91% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UBSI: 6.82 )
Ranked among companies with meaningful PEG only.
UBSI' s PEG Range Over the Past 10 Years
Min: 1.34  Med: 3.37 Max: 188.86
Current: 6.82
1.34
188.86
Shiller P/E 23.10
UBSI's Shiller P/E is ranked lower than
61% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. UBSI: 23.10 )
Ranked among companies with meaningful Shiller P/E only.
UBSI' s Shiller P/E Range Over the Past 10 Years
Min: 6.21  Med: 13.29 Max: 23.65
Current: 23.1
6.21
23.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.90
UBSI's Dividend Yield is ranked higher than
52% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. UBSI: 2.90 )
Ranked among companies with meaningful Dividend Yield only.
UBSI' s Dividend Yield Range Over the Past 10 Years
Min: 2.73  Med: 4.11 Max: 8.41
Current: 2.9
2.73
8.41
Dividend Payout 0.67
UBSI's Dividend Payout is ranked higher than
82% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSI: 0.67 )
Ranked among companies with meaningful Dividend Payout only.
UBSI' s Dividend Payout Range Over the Past 10 Years
Min: 0.43  Med: 0.63 Max: 1.91
Current: 0.67
0.43
1.91
Dividend Growth (3y) 1.30
UBSI's Dividend Growth (3y) is ranked lower than
74% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. UBSI: 1.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBSI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.3  Med: 2.9 Max: 7.6
Current: 1.3
1.3
7.6
Forward Dividend Yield 2.84
UBSI's Forward Dividend Yield is ranked lower than
52% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. UBSI: 2.84 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.14
UBSI's Yield on cost (5-Year) is ranked lower than
55% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. UBSI: 3.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBSI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.96  Med: 4.45 Max: 9.1
Current: 3.14
2.96
9.1
3-Year Average Share Buyback Ratio -11.40
UBSI's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UBSI: -11.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBSI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.1  Med: -1.5 Max: 2
Current: -11.4
-12.1
2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.06
UBSI's Price/Tangible Book is ranked lower than
92% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBSI: 3.06 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.68  Med: 2.51 Max: 5.63
Current: 3.06
1.68
5.63
Price/Projected FCF 1.21
UBSI's Price/Projected FCF is ranked lower than
81% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. UBSI: 1.21 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.56  Med: 0.99 Max: 3.35
Current: 1.21
0.56
3.35
Price/Median PS Value 1.62
UBSI's Price/Median PS Value is ranked lower than
85% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBSI: 1.62 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.55  Med: 1.1 Max: 1.62
Current: 1.62
0.55
1.62
Price/Peter Lynch Fair Value 4.42
UBSI's Price/Peter Lynch Fair Value is ranked lower than
99% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UBSI: 4.42 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UBSI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.27  Med: 2.51 Max: 4.44
Current: 4.42
1.27
4.44
Price/Graham Number 1.80
UBSI's Price/Graham Number is ranked lower than
91% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. UBSI: 1.80 )
Ranked among companies with meaningful Price/Graham Number only.
UBSI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.79  Med: 1.4 Max: 2.74
Current: 1.8
0.79
2.74
Earnings Yield (Greenblatt) (%) 5.19
UBSI's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UBSI: 5.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5  Med: 7.2 Max: 18.3
Current: 5.19
5
18.3
Forward Rate of Return (Yacktman) (%) 10.61
UBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. UBSI: 10.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UBSI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -5  Med: 10 Max: 19.1
Current: 10.61
-5
19.1

More Statistics

Revenue (TTM) (Mil) $480.7
EPS (TTM) $ 1.96
Beta1.04
Short Percentage of Float19.06%
52-Week Range $32.22 - 46.80
Shares Outstanding (Mil)76.45

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.04 2.12 2.30
EPS w/o NRI ($) 2.04 2.12 2.30
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 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 
United Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
UNITED BANKSHARES INC/WV Financials Nov 17 2016
United Bankshares, Inc. to Participate in Sandler O’Neill East Coast Financial Services Conference Nov 15 2016
UNITED BANKSHARES INC/WV Files SEC form 10-Q, Quarterly Report Nov 09 2016
ETF’s with exposure to United Bankshares, Inc. (West Virginia) : November 8, 2016 Nov 08 2016
United Bankshares, Inc. (West Virginia) breached its 50 day moving average in a Bullish Manner :... Nov 08 2016
United Bankshares, Inc. (West Virginia) :UBSI-US: Earnings Analysis: Q3, 2016 By the Numbers :... Nov 07 2016
43rd Consecutive Year of Dividend Increases for United Bankshares Nov 04 2016
43rd Consecutive Year of Dividend Increases for United Bankshares Nov 04 2016
UNITED BANKSHARES INC/WV Files SEC form 8-K, Regulation FD Disclosure Oct 31 2016
United Bankshares, Inc. Announces Earnings for the Third Quarter and First Nine Months of 2016 Oct 27 2016
UNITED BANKSHARES INC/WV Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 27 2016
United Bankshares posts 3Q profit Oct 27 2016
United Bankshares posts 3Q profit Oct 27 2016
United Bankshares, Inc. Announces Earnings for the Third Quarter and First Nine Months of 2016 Oct 27 2016
Minutes of meeting for the 38th General Assembly Meeting Oct 24 2016
United Bankshares, Inc. (West Virginia) breached its 50 day moving average in a Bullish Manner :... Oct 11 2016
ETF’s with exposure to United Bankshares, Inc. (West Virginia) : September 16, 2016 Sep 16 2016
United Bankshares, Inc. (West Virginia) breached its 50 day moving average in a Bearish Manner :... Sep 12 2016
United Bankshares Declares Third Quarter Dividend Aug 29 2016
United Bankshares Declares Third Quarter Dividend Aug 29 2016

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