The historical rank and industry rank for United Bankshares's FCF Margin % or its related term are showing as below:
FRA:UNK'
s FCF Margin % Range Over the Past 10 Years
Min: 11.8 Med: 39.7 Max: 71.54
Current: 41.27
During the past 13 years, the highest FCF Margin % of United Bankshares was 71.54%. The lowest was 11.80%. And the median was 39.70%.
FRA:UNK's FCF Margin % is ranked better than 69.97% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FRA:UNK: 41.27
United Bankshares FCF Margin % Related Terms
United Bankshares FCF Margin % Historical Data
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The historical data trend for United Bankshares's FCF Margin % 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, GBCI, FNB: FCF Margin % Comparison
For the Banks - Regional subindustry, United Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 49.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bankshares and its competitors. This is 24% above median its historical median of 39.70. Over the past decade, United Bankshares' FCF Margin % has ranged from 11.80 to 71.54. According to the industry distribution chart, United Bankshares ranks #452 out of 1505 companies in the Banks industry, placing it in the top 30%.
Is United Bankshares' FCF Margin % too high?
United Bankshares' current FCF Margin % of 49.38% is 24% above median its 10-year median of 39.70. Over the past 10 years, this metric has ranged from a low of 11.80 to a high of 71.54. The Banks industry median FCF Margin % is 26.55. United Bankshares' value of 49.38% is 86% above this industry median. Based on the distribution chart, United Bankshares ranks #452 out of 1505 companies in the Banks industry, which is above 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' FCF Margin % compare to FLG and GBCI?
According to the Banks industry distribution chart, United Bankshares ranks #452 out of 1505 companies for FCF Margin %. This puts United Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.55. United Bankshares' value of 49.38% is 86% above this benchmark. Historically, United Bankshares' own FCF Margin % has ranged from 11.80 to 71.54 over the past decade. While the company's 10-year median is 39.70 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankshares's current FCF Margin % of 49.38% is 86% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current FCF Margin % is 49.38%, which is 24% above median its own 10-year median of 39.70. 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 FCF Margin % of 49.38%. The stock's GF Value™ is €36.05, compared to a current price of €40.00 — trading 11% above its estimated fair value. The current FCF Margin % is 49.38%, which is 24% above median its 10-year median of 39.70 and 86% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current FCF Margin % is 49.38% as of Mar. 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 €40.00 is trading 11% above its estimated GF Value™ of €36.05.
Key valuation signals for FRA:UNK:
FCF Margin %: 49.38% (24% above median its 10-year median of 39.70)
GF Value™: €36.05 vs. price of €40.00 (11% above fair value)
Industry Position: 86% above the Banks median (#452 of 1505)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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