EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Bankshares's Enterprise Value is €4,291 Mil.
United Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €448 Mil. Therefore, United Bankshares's EV-to-FCF for today is 9.59.
The historical rank and industry rank for United Bankshares's EV-to-FCF or its related term are showing as below:
FRA:UNK'
s EV-to-FCF Range Over the Past 10 Years
Min: -1173.57 Med: 11.33 Max: 65.9
Current: 9.36
During the past 13 years, the highest EV-to-FCF of United Bankshares was 65.90. The lowest was -1173.57. And the median was 11.33.
FRA:UNK's EV-to-FCF is ranked worse than 59.28% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FRA:UNK: 9.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Bankshares's PE Ratio (TTM) for today is calculated as:
United Bankshares's share price for today is €40.20.
United Bankshares's Earnings per Share (Diluted) 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 €3.068.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Bankshares EV-to-FCF Related Terms
United Bankshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for United Bankshares's EV-to-FCF 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.
For the Banks - Regional subindustry, United Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Bankshares's EV-to-FCF falls into.
United Bankshares's current Enterprise Value is €4,291 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 (FRA:UNK) has a EV-to-FCF of 9.59 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Bankshares and its competitors. This is 15% below median its historical median of 11.33. According to the industry distribution chart, United Bankshares ranks #709 out of 1196 companies in the Banks industry, placing it in the top 59.3%.
Is United Bankshares' EV-to-FCF too high?
United Bankshares' current EV-to-FCF of 9.59 is 15% below median its 10-year median of 11.33. The Banks industry median EV-to-FCF is 6.57. United Bankshares' value of 9.59 is 46.1% above this industry median. Based on the distribution chart, United Bankshares ranks #709 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, United Bankshares has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' EV-to-FCF compare to FLG and ABCB?
According to the Banks industry distribution chart, United Bankshares ranks #709 out of 1196 companies for EV-to-FCF. This places United Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.57. United Bankshares' value of 9.59 is 46.1% above this benchmark. While the company's 10-year median is 11.33 vs. the industry median of 6.57, United Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankshares's current EV-to-FCF of 9.59 is 46.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current EV-to-FCF is 9.59, which is 15% below median its own 10-year median of 11.33. 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 EV-to-FCF of 9.59. The stock's GF Value™ is €36.09, compared to a current price of €40.20 — trading 11.4% above its estimated fair value. The current EV-to-FCF is 9.59, which is 15% below median its 10-year median of 11.33 and 46.1% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current EV-to-FCF is 9.59 as of Jul. 06, 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 €40.20 is trading 11.4% above its estimated GF Value™ of €36.09.
Key valuation signals for FRA:UNK:
EV-to-FCF: 9.59 (15% below median its 10-year median of 11.33)
GF Value™: €36.09 vs. price of €40.20 (11.4% above fair value)
Industry Position: 46.1% above the Banks median (#709 of 1196)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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