Switch to:
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 1.04
UBSI's Cash to Debt is ranked lower than
63% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. UBSI: 1.04 )
Ranked among companies with meaningful Cash to Debt only.
UBSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.39 Max: 1.84
Current: 1.04
0.17
1.84
Equity to Asset 0.15
UBSI's Equity to Asset is ranked higher than
84% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBSI: 0.15 )
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: 0.15
Current: 0.15
0.08
0.15
Interest Coverage 4.98
UBSI's Interest Coverage is ranked higher than
80% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UBSI: 4.98 )
Ranked among companies with meaningful Interest Coverage only.
UBSI' s Interest Coverage Range Over the Past 10 Years
Min: 0.61  Med: 2.31 Max: 5.15
Current: 4.98
0.61
5.15
F-Score: 5
WACC vs ROIC
8.79%
6.66%
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 (%) 45.12
UBSI's Operating margin (%) is ranked higher than
78% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. UBSI: 45.12 )
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: 45.88
Current: 45.12
26.13
45.88
Net-margin (%) 29.60
UBSI's Net-margin (%) is ranked higher than
70% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. UBSI: 29.60 )
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: 32.02
Current: 29.6
22.47
32.02
ROE (%) 7.55
UBSI's ROE (%) is ranked lower than
58% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. UBSI: 7.55 )
Ranked among companies with meaningful ROE (%) only.
UBSI' s ROE (%) Range Over the Past 10 Years
Min: 7.45  Med: 8.78 Max: 13
Current: 7.55
7.45
13
ROA (%) 1.08
UBSI's ROA (%) is ranked higher than
64% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBSI: 1.08 )
Ranked among companies with meaningful ROA (%) only.
UBSI' s ROA (%) Range Over the Past 10 Years
Min: 0.85  Med: 1.04 Max: 1.23
Current: 1.08
0.85
1.23
Revenue Growth (3Y)(%) 0.60
UBSI's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UBSI: 0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.4  Med: 0.6 Max: 6.4
Current: 0.6
-6.4
6.4
EBITDA Growth (3Y)(%) 5.10
UBSI's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. UBSI: 5.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.3  Med: 3.1 Max: 20.3
Current: 5.1
-16.3
20.3
EPS Growth (3Y)(%) 5.40
UBSI's EPS Growth (3Y)(%) is ranked lower than
56% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UBSI: 5.40 )
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: 5.4
-10.1
23
GuruFocus has detected 5 Warning Signs with United Bankshares Inc $UBSI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UBSI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2016

UBSI Guru Trades in Q4 2016

Leon Cooperman 30,000 sh (New)
Paul Tudor Jones 142,391 sh (+2117.93%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:BOH, NAS:CHFC, NAS:MBFI, OTCPK:FCNCB, NAS:PNFP, NAS:IBKC, NAS:WTFC, NYSE:STL, NAS:HOMB, NAS:HBHC, NAS:UMBF, NYSE:ASB, NAS:FULT, NYSE:VLY, NYSE:FNB, NYSE:BKU, NAS:UMPQ, NAS:CATY, NYSE:TCB, NAS:TCBI » 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) 22.75
UBSI's P/E(ttm) is ranked lower than
80% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. UBSI: 22.75 )
Ranked among companies with meaningful P/E(ttm) only.
UBSI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.6  Med: 16.37 Max: 24.83
Current: 22.75
6.6
24.83
Forward P/E 20.75
UBSI's Forward P/E is ranked lower than
88% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. UBSI: 20.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.75
UBSI's PE(NRI) is ranked lower than
80% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UBSI: 22.75 )
Ranked among companies with meaningful PE(NRI) only.
UBSI' s PE(NRI) Range Over the Past 10 Years
Min: 6.6  Med: 16.37 Max: 24.83
Current: 22.75
6.6
24.83
Price/Owner Earnings (ttm) 24.63
UBSI's Price/Owner Earnings (ttm) is ranked lower than
80% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. UBSI: 24.63 )
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: 17.05 Max: 26.78
Current: 24.63
6.79
26.78
P/B 1.54
UBSI's P/B is ranked lower than
69% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBSI: 1.54 )
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: 1.54
0.79
2.55
P/S 6.73
UBSI's P/S is ranked lower than
88% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. UBSI: 6.73 )
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: 7.32
Current: 6.73
1.9
7.32
PFCF 27.44
UBSI's PFCF is ranked lower than
80% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. UBSI: 27.44 )
Ranked among companies with meaningful PFCF only.
UBSI' s PFCF Range Over the Past 10 Years
Min: 5.83  Med: 13.63 Max: 29.84
Current: 27.44
5.83
29.84
POCF 26.53
UBSI's POCF is ranked lower than
82% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. UBSI: 26.53 )
Ranked among companies with meaningful POCF only.
UBSI' s POCF Range Over the Past 10 Years
Min: 5.65  Med: 13.23 Max: 28.84
Current: 26.53
5.65
28.84
EV-to-EBIT 16.13
UBSI's EV-to-EBIT is ranked lower than
62% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. UBSI: 16.13 )
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: 16.13
5.5
19.9
EV-to-EBITDA 16.13
UBSI's EV-to-EBITDA is ranked lower than
65% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. UBSI: 16.13 )
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: 16.13
5.5
19.9
PEG 5.02
UBSI's PEG is ranked lower than
85% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. UBSI: 5.02 )
Ranked among companies with meaningful PEG only.
UBSI' s PEG Range Over the Past 10 Years
Min: 1.34  Med: 3.38 Max: 188.86
Current: 5.02
1.34
188.86
Shiller P/E 23.24
UBSI's Shiller P/E is ranked lower than
53% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. UBSI: 23.24 )
Ranked among companies with meaningful Shiller P/E only.
UBSI' s Shiller P/E Range Over the Past 10 Years
Min: 6.24  Med: 13.34 Max: 25.23
Current: 23.24
6.24
25.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.91
UBSI's Dividend Yield is ranked higher than
54% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UBSI: 2.91 )
Ranked among companies with meaningful Dividend Yield only.
UBSI' s Dividend Yield Range Over the Past 10 Years
Min: 2.68  Med: 4.11 Max: 8.41
Current: 2.91
2.68
8.41
Dividend Payout 0.67
UBSI's Dividend Payout is ranked higher than
82% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBSI: 0.67 )
Ranked among companies with meaningful Dividend Payout only.
UBSI' s Dividend Payout Range Over the Past 10 Years
Min: 0.53  Med: 0.7 Max: 0.76
Current: 0.67
0.53
0.76
Dividend Growth (3y) 1.80
UBSI's Dividend Growth (3y) is ranked lower than
73% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. UBSI: 1.80 )
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: 1.8
1.3
7.6
Forward Dividend Yield 2.93
UBSI's Forward Dividend Yield is ranked higher than
53% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UBSI: 2.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.17
UBSI's Yield on cost (5-Year) is ranked lower than
52% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UBSI: 3.17 )
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: 2.92  Med: 4.47 Max: 9.15
Current: 3.17
2.92
9.15
3-Year Average Share Buyback Ratio -14.90
UBSI's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. UBSI: -14.90 )
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: -14.9  Med: -1.5 Max: 2
Current: -14.9
-14.9
2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.56
UBSI's Price/Tangible Book is ranked lower than
87% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UBSI: 2.56 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.81  Med: 2.6 Max: 3.53
Current: 2.56
1.81
3.53
Price/Projected FCF 1.14
UBSI's Price/Projected FCF is ranked lower than
73% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UBSI: 1.14 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.62  Med: 1.12 Max: 2.18
Current: 1.14
0.62
2.18
Price/Median PS Value 1.57
UBSI's Price/Median PS Value is ranked lower than
80% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UBSI: 1.57 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 1.12 Max: 1.6
Current: 1.57
0.67
1.6
Price/Peter Lynch Fair Value 4.11
UBSI's Price/Peter Lynch Fair Value is ranked lower than
96% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBSI: 4.11 )
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: 1.62  Med: 2.68 Max: 4.2
Current: 4.11
1.62
4.2
Price/Graham Number 1.61
UBSI's Price/Graham Number is ranked lower than
88% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UBSI: 1.61 )
Ranked among companies with meaningful Price/Graham Number only.
UBSI' s Price/Graham Number Range Over the Past 10 Years
Min: 1.05  Med: 1.42 Max: 1.78
Current: 1.61
1.05
1.78
Earnings Yield (Greenblatt) (%) 6.17
UBSI's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UBSI: 6.17 )
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: 6.17
5
18.3
Forward Rate of Return (Yacktman) (%) 10.66
UBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. UBSI: 10.66 )
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: 10.2 Max: 19.1
Current: 10.66
-5
19.1

More Statistics

Revenue (TTM) (Mil) $496.9
EPS (TTM) $ 1.99
Beta1.13
Short Percentage of Float18.14%
52-Week Range $33.53 - 49.35
Shares Outstanding (Mil)81.07

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.17 2.35
EPS w/o NRI ($) 2.17 2.35
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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. to Participate in the Keefe, Bruyette and Woods Winter Financial Services... Feb 07 2017
United Bankshares posts 4Q profit Jan 31 2017
United Bankshares posts 4Q profit Jan 31 2017
UNITED BANKSHARES INC/WV Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 31 2017
United Bankshares, Inc. Announces Increased Earnings for the Fourth Quarter and Year of 2016 Jan 31 2017
United Bankshares, Inc. (West Virginia) : UBSI-US: Dividend Analysis : December 09th, 2016 (record... Jan 30 2017
Bank Stocks Set for Q4 Earnings on Jan 26: SIVB, WAL & More Jan 25 2017
United Bankshares, Inc. (West Virginia) breached its 50 day moving average in a Bullish Manner :... Jan 11 2017
UNITED BANKSHARES INC/WV Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 21 2016
ETFs with exposure to United Bankshares, Inc. (West Virginia) : December 19, 2016 Dec 19 2016
United Bankshares, Inc. Announces Pricing of its Common Stock Offering Dec 16 2016
United Bankshares, Inc. Announces Pricing of its Common Stock Offering Dec 16 2016
United Bankshares, Inc. Announces Commencement of Common Stock Offering Dec 15 2016
Is United Bankshares, Inc. (UBSI) a Good Stock to Buy? Dec 12 2016
ETFs with exposure to United Bankshares, Inc. (West Virginia) : December 9, 2016 Dec 09 2016
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

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)