United Bankshares has the GF Score of 63, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes United Bankshares
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
United Bankshares (FRA:UNK) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
United Bankshares GF Score Related Terms
FRA:UNK vs FLG, ABCB, HWC: GF Score Comparison
For the Banks - Regional subindustry, United Bankshares's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's GF Score distribution charts can be found below:
* The bar in red indicates where United Bankshares's GF Score falls into.
United Bankshares (FRA:UNK) has a GF Score of 63 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Bankshares and its competitors. This is near median its historical median of 68.00. Over the past decade, United Bankshares' GF Score has ranged from 15.00 to 80.00.
Is United Bankshares' GF Score too high?
United Bankshares' current GF Score of 63 is near median its 10-year median of 68.00. Over the past 10 years, this metric has ranged from a low of 15.00 to a high of 80.00. Overall, United Bankshares has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' GF Score compare to FLG and ABCB?
United Bankshares' GF Score of 63 can be compared against companies in the Banks industry. Historically, United Bankshares' own GF Score has ranged from 15.00 to 80.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Bankshares and its competitors. United Bankshares's current GF Score is 63, which is near median its own 10-year median of 68.00. 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 GF Score of 63. The stock's GF Value™ is €36.77, compared to a current price of €40.00 — trading 8.8% above its estimated fair value. The current GF Score is 63, which is near median its 10-year median of 68.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current GF Score is 63 as of Jul. 09, 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 8.8% above its estimated GF Value™ of €36.77.
Key valuation signals for FRA:UNK:
GF Score: 63 (near median its 10-year median of 68.00)
GF Value™: €36.77 vs. price of €40.00 (8.8% 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
Get the complete analysis for FRA:UNK
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:UNK has been successfully added to your 