Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, United Bankshares's Enterprise Value is €4,222 Mil.
United Bankshares's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was €1,085 Mil. Therefore, United Bankshares's EV-to-Revenue ratio for today is 3.89.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
United Bankshares (FRA:UNK) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
United Bankshares's current Enterprise Value is €4,222 Mil.
United Bankshares's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,085 Mil.
United Bankshares's current Enterprise Value is €4,222 Mil.
United Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €464 Mil.
United Bankshares's current Enterprise Value is €4,222 Mil.
United Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €448 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bankshares Enterprise Value Related Terms
United Bankshares Enterprise Value Historical Data
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The historical data trend for United Bankshares's Enterprise Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:UNK vs FLG, ABCB, HWC: Enterprise Value Comparison
For the Banks - Regional subindustry, United Bankshares's Enterprise Value, along with its competitors' market caps and Enterprise Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bankshares Enterprise Value vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's Enterprise Value distribution charts can be found below:
* The bar in red indicates where United Bankshares's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
United Bankshares's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bankshares (FRA:UNK) has a Enterprise Value of €4,222 Mil as of Jul. 01, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on United Bankshares and its competitors.
Is United Bankshares' Enterprise Value too high?
United Bankshares' current Enterprise Value is €4,222 Mil. Overall, United Bankshares has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' Enterprise Value compare to FLG and ABCB?
United Bankshares' Enterprise Value of €4,222 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on United Bankshares and its competitors. United Bankshares's current Enterprise Value is €4,222 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankshares stock overvalued right now?
United Bankshares (FRA:UNK) has a current Enterprise Value of €4,222 Mil. The stock's GF Value™ is €36.13, compared to a current price of €39.80 — trading 10.2% above its estimated fair value. The current Enterprise Value is €4,222 Mil. United Bankshares' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current Enterprise Value is €4,222 Mil as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bankshares (FRA:UNK) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankshares stock appears to be overvalued.
The current stock price of €39.80 is trading 10.2% above its estimated GF Value™ of €36.13.
Key valuation signals for FRA:UNK:
Enterprise Value: €4,222 Mil
GF Value™: €36.13 vs. price of €39.80 (10.2% above fair value)
No single metric tells the full story. See the FRA:UNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
63GF Score
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Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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