The historical rank and industry rank for United Bankshares's Net Margin % or its related term are showing as below:
FRA:UNK'
s Net Margin % Range Over the Past 10 Years
Min: 22.18 Med: 35.91 Max: 39.97
Current: 39.97
FRA:UNK's Net Margin % is ranked better than 84.09% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:UNK: 39.97
United Bankshares (FRA:UNK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Bankshares Net Margin % Related Terms
United Bankshares Net Margin % Historical Data
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The historical data trend for United Bankshares's Net 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: Net Margin % Comparison
For the Banks - Regional subindustry, United Bankshares's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Bankshares's Net 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 Net Margin % of 39.31% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Bankshares and its competitors. This is near median its historical median of 35.91. Over the past decade, United Bankshares' Net Margin % has ranged from 22.18 to 39.97. According to the industry distribution chart, United Bankshares ranks #243 out of 1527 companies in the Banks industry, placing it in the top 15.9%.
Is United Bankshares' Net Margin % too high?
United Bankshares' current Net Margin % of 39.31% is near median its 10-year median of 35.91. Over the past 10 years, this metric has ranged from a low of 22.18 to a high of 39.97. The Banks industry median Net Margin % is 26.95. United Bankshares' value of 39.31% is 45.9% above this industry median. Based on the distribution chart, United Bankshares ranks #243 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Bankshares has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' Net Margin % compare to FLG and GBCI?
According to the Banks industry distribution chart, United Bankshares ranks #243 out of 1527 companies for Net Margin %. This places United Bankshares in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. United Bankshares' value of 39.31% is 45.9% above this benchmark. Historically, United Bankshares' own Net Margin % has ranged from 22.18 to 39.97 over the past decade. While the company's 10-year median is 35.91 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankshares's current Net Margin % of 39.31% is 45.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Bankshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current Net Margin % is 39.31%, which is near median its own 10-year median of 35.91. 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 Net Margin % of 39.31%. 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 Net Margin % is 39.31%, which is near median its 10-year median of 35.91 and 45.9% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current Net Margin % is 39.31% 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:
Net Margin %: 39.31% (near median its 10-year median of 35.91)
GF Value™: €36.05 vs. price of €40.00 (11% above fair value)
Industry Position: 45.9% above the Banks median (#243 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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