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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 0.60
UBSI's Cash to Debt is ranked lower than
64% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UBSI: 0.60 )
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: No Debt
Current: 0.6
Equity to Asset 0.14
UBSI's Equity to Asset is ranked higher than
80% of the 1578 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: 0.10 Max: 0.14
Current: 0.14
0.08
0.14
Interest Coverage 5.19
UBSI's Interest Coverage is ranked higher than
81% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. UBSI: 5.19 )
Ranked among companies with meaningful Interest Coverage only.
UBSI' s Interest Coverage Range Over the Past 10 Years
Min: 0.61  Med: 1.21 Max: 4.55
Current: 5.19
0.61
4.55
F-Score: 4
WACC vs ROIC
7.67%
7.34%
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 (%) 44.66
UBSI's Operating margin (%) is ranked higher than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. UBSI: 44.66 )
Ranked among companies with meaningful Operating margin (%) only.
UBSI' s Operating margin (%) Range Over the Past 10 Years
Min: 26.13  Med: 37.94 Max: 53.64
Current: 44.66
26.13
53.64
Net-margin (%) 30.03
UBSI's Net-margin (%) is ranked higher than
72% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. UBSI: 30.03 )
Ranked among companies with meaningful Net-margin (%) only.
UBSI' s Net-margin (%) Range Over the Past 10 Years
Min: 22.47  Med: 26.32 Max: 36.72
Current: 30.03
22.47
36.72
ROE (%) 8.16
UBSI's ROE (%) is ranked higher than
51% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. UBSI: 8.16 )
Ranked among companies with meaningful ROE (%) only.
UBSI' s ROE (%) Range Over the Past 10 Years
Min: 8.42  Med: 9.45 Max: 15.85
Current: 8.16
8.42
15.85
ROA (%) 1.11
UBSI's ROA (%) is ranked higher than
68% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UBSI: 1.11 )
Ranked among companies with meaningful ROA (%) only.
UBSI' s ROA (%) Range Over the Past 10 Years
Min: 0.85  Med: 1.04 Max: 1.53
Current: 1.11
0.85
1.53
Revenue Growth (3Y)(%) 0.50
UBSI's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UBSI: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 2.30 Max: 10.3
Current: 0.5
-3.4
10.3
EBITDA Growth (3Y)(%) 4.90
UBSI's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UBSI: 4.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.3  Med: 3.40 Max: 20.3
Current: 4.9
-16.3
20.3
EPS Growth (3Y)(%) 6.00
UBSI's EPS Growth (3Y)(%) is ranked lower than
55% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. UBSI: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.1  Med: 3.25 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

Q1 2015

UBSI Guru Trades in Q1 2015

Chuck Royce 405,455 sh (unchged)
Jim Simons Sold Out
» More
Q2 2015

UBSI Guru Trades in Q2 2015

Chuck Royce 384,455 sh (-5.18%)
» More
Q3 2015

UBSI Guru Trades in Q3 2015

Chuck Royce 333,455 sh (-13.27%)
» More
Q4 2015

UBSI Guru Trades in Q4 2015

Chuck Royce 185,955 sh (-44.23%)
» 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) 17.08
UBSI's P/E(ttm) is ranked lower than
75% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. UBSI: 17.08 )
Ranked among companies with meaningful P/E(ttm) only.
UBSI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.6  Med: 15.87 Max: 24.83
Current: 17.08
6.6
24.83
Forward P/E 15.20
UBSI's Forward P/E is ranked lower than
89% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. UBSI: 15.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.08
UBSI's PE(NRI) is ranked lower than
74% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. UBSI: 17.08 )
Ranked among companies with meaningful PE(NRI) only.
UBSI' s PE(NRI) Range Over the Past 10 Years
Min: 6.6  Med: 16.06 Max: 24.83
Current: 17.08
6.6
24.83
P/B 1.38
UBSI's P/B is ranked lower than
75% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UBSI: 1.38 )
Ranked among companies with meaningful P/B only.
UBSI' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.49 Max: 2.55
Current: 1.38
0.79
2.55
P/S 5.10
UBSI's P/S is ranked lower than
89% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. UBSI: 5.10 )
Ranked among companies with meaningful P/S only.
UBSI' s P/S Range Over the Past 10 Years
Min: 1.9  Med: 4.31 Max: 6.39
Current: 5.1
1.9
6.39
PFCF 14.12
UBSI's PFCF is ranked lower than
73% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. UBSI: 14.12 )
Ranked among companies with meaningful PFCF only.
UBSI' s PFCF Range Over the Past 10 Years
Min: 5.84  Med: 13.07 Max: 34.28
Current: 14.12
5.84
34.28
POCF 13.52
UBSI's POCF is ranked lower than
77% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. UBSI: 13.52 )
Ranked among companies with meaningful POCF only.
UBSI' s POCF Range Over the Past 10 Years
Min: 5.65  Med: 12.56 Max: 32.26
Current: 13.52
5.65
32.26
EV-to-EBIT 10.91
UBSI's EV-to-EBIT is ranked higher than
61% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. UBSI: 10.91 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.5  Med: 13.90 Max: 19.9
Current: 10.91
5.5
19.9
EV-to-EBITDA 10.91
UBSI's EV-to-EBITDA is ranked higher than
55% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. UBSI: 10.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.5  Med: 13.90 Max: 19.9
Current: 10.91
5.5
19.9
PEG 2.63
UBSI's PEG is ranked lower than
82% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSI: 2.63 )
Ranked among companies with meaningful PEG only.
UBSI' s PEG Range Over the Past 10 Years
Min: 1.33  Med: 3.32 Max: 330.5
Current: 2.63
1.33
330.5
Shiller P/E 16.96
UBSI's Shiller P/E is ranked lower than
58% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. UBSI: 16.96 )
Ranked among companies with meaningful Shiller P/E only.
UBSI' s Shiller P/E Range Over the Past 10 Years
Min: 6.21  Med: 13.33 Max: 21.41
Current: 16.96
6.21
21.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.80
UBSI's Dividend Yield is ranked higher than
63% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. UBSI: 3.80 )
Ranked among companies with meaningful Dividend Yield only.
UBSI' s Dividend Yield Range Over the Past 10 Years
Min: 2.71  Med: 4.11 Max: 8.41
Current: 3.8
2.71
8.41
Dividend Payout 0.65
UBSI's Dividend Payout is ranked lower than
85% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. UBSI: 0.65 )
Ranked among companies with meaningful Dividend Payout only.
UBSI' s Dividend Payout Range Over the Past 10 Years
Min: 0.42  Med: 0.51 Max: 3.88
Current: 0.65
0.42
3.88
Dividend Growth (3y) 1.90
UBSI's Dividend Growth (3y) is ranked lower than
60% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. UBSI: 1.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBSI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.4  Med: 3.40 Max: 9.8
Current: 1.9
1.4
9.8
Forward Dividend Yield 3.89
UBSI's Forward Dividend Yield is ranked higher than
62% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. UBSI: 3.89 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.09
UBSI's Yield on cost (5-Year) is ranked higher than
59% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. UBSI: 4.09 )
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: 2.95  Med: 4.47 Max: 9.15
Current: 4.09
2.95
9.15
3-Year Average Share Buyback Ratio -13.00
UBSI's 3-Year Average Share Buyback Ratio is ranked lower than
82% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UBSI: -13.00 )
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: -13  Med: -0.55 Max: 1.3
Current: -13
-13
1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.40
UBSI's Price/Tangible Book is ranked lower than
90% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBSI: 2.40 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.67  Med: 2.49 Max: 5.63
Current: 2.4
1.67
5.63
Price/Projected FCF 0.94
UBSI's Price/Projected FCF is ranked lower than
74% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. UBSI: 0.94 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.56  Med: 1.04 Max: 3.48
Current: 0.94
0.56
3.48
Price/Median PS Value 1.18
UBSI's Price/Median PS Value is ranked lower than
74% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. UBSI: 1.18 )
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: 1.09 Max: 1.63
Current: 1.18
0.55
1.63
Price/Graham Number 1.35
UBSI's Price/Graham Number is ranked lower than
86% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. UBSI: 1.35 )
Ranked among companies with meaningful Price/Graham Number only.
UBSI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.79  Med: 1.38 Max: 2.74
Current: 1.35
0.79
2.74
Earnings Yield (Greenblatt) (%) 9.10
UBSI's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBSI: 9.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5  Med: 7.20 Max: 18.3
Current: 9.1
5
18.3
Forward Rate of Return (Yacktman) (%) 11.59
UBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UBSI: 11.59 )
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: -5.1  Med: 9.00 Max: 19.1
Current: 11.59
-5.1
19.1

More Statistics

Revenue(Mil) $459
EPS $ 1.98
Beta1.03
Short Percentage of Float14.68%
52-Week Range $32.22 - 43.43
Shares Outstanding(Mil)69.57

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.06 2.23
EPS without NRI($) 2.06 2.23

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 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 

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