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United Bankshares Inc stock PB Ratio (=1.18) is close to 5-year high of 1.31.
The historical rank and industry rank for United Bankshares's PB Ratio or its related term are showing as below:
FRA:UNK'
s PB Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.08 Max: 1.85
Current: 1.18
During the past 13 years, United Bankshares's highest PB Ratio was 1.85. The lowest was 0.62. And the median was 1.08.
FRA:UNK's PB Ratio is ranked worse than 55.11% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs FRA:UNK: 1.18
During the past 12 months, United Bankshares's average Book Value Per Share Growth Rate was 6.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Bankshares was 20.70% per year. The lowest was -7.90% per year. And the median was 5.45% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United Bankshares PB Ratio Related Terms
United Bankshares PB Ratio Historical Data
* Premium members only.
The historical data trend for United Bankshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Bankshares (FRA:UNK) has a PB Ratio of 1.17 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Bankshares and its competitors. This is near median its historical median of 1.08. Over the past decade, United Bankshares' PB Ratio has ranged from 0.62 to 1.85. According to the industry distribution chart, United Bankshares ranks #836 out of 1517 companies in the Banks industry, placing it in the top 55.1%.
Is United Bankshares' PB Ratio too high?
United Bankshares' current PB Ratio of 1.17 is near median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.85. The Banks industry median PB Ratio is 1.11. United Bankshares' value of 1.17 is 5.4% above this industry median. Based on the distribution chart, United Bankshares ranks #836 out of 1517 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' PB Ratio compare to FLG and ABCB?
According to the Banks industry distribution chart, United Bankshares ranks #836 out of 1517 companies for PB Ratio. This places United Bankshares in the lower half of its industry. The industry median PB Ratio is 1.11. United Bankshares' value of 1.17 is 5.4% above this benchmark. Historically, United Bankshares' own PB Ratio has ranged from 0.62 to 1.85 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankshares's current PB Ratio of 1.17 is 5.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current PB Ratio is 1.17, which is near median its own 10-year median of 1.08. 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 PB Ratio of 1.17. The stock's GF Value™ is €35.68, compared to a current price of €40.00 — trading 12.1% above its estimated fair value. The current PB Ratio is 1.17, which is near median its 10-year median of 1.08 and 5.4% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current PB Ratio is 1.17 as of Jul. 16, 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 12.1% above its estimated GF Value™ of €35.68.
Key valuation signals for FRA:UNK:
PB Ratio: 1.17 (near median its 10-year median of 1.08)
GF Value™: €35.68 vs. price of €40.00 (12.1% above fair value)
Industry Position: 5.4% above the Banks median (#836 of 1517)
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
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