* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Bankshares's PEG Ratio or its related term are showing as below:
FRA:UNK'
s PEG Ratio Range Over the Past 10 Years
Min: 1.02 Med: 2.9 Max: 9.72
Current: 4.19
During the past 13 years, United Bankshares's highest PEG Ratio was 9.72. The lowest was 1.02. And the median was 2.90.
FRA:UNK's PEG Ratio is ranked worse than 81.07% of 1231
companies
in the Banks industry
Industry Median: 1.54
vs FRA:UNK: 4.19
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Bankshares (FRA:UNK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
United Bankshares PEG Ratio Related Terms
United Bankshares PEG Ratio Historical Data
* Premium members only.
The historical data trend for United Bankshares's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Bankshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Bankshares (FRA:UNK) has a PEG Ratio of 4.23 as of Jul. 06, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bankshares and its competitors. This is 46% above median its historical median of 2.90. Over the past decade, United Bankshares' PEG Ratio has ranged from 1.02 to 9.72. According to the industry distribution chart, United Bankshares ranks #998 out of 1231 companies in the Banks industry, placing it in the top 81.1%.
Is United Bankshares' PEG Ratio too high?
United Bankshares' current PEG Ratio of 4.23 is 46% above median its 10-year median of 2.90. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 9.72. The Banks industry median PEG Ratio is 1.54. United Bankshares' value of 4.23 is 174.7% above this industry median. Based on the distribution chart, United Bankshares ranks #998 out of 1231 companies in the Banks industry, which is in the bottom quartile 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' PEG Ratio compare to FLG and ABCB?
According to the Banks industry distribution chart, United Bankshares ranks #998 out of 1231 companies for PEG Ratio. This places United Bankshares in the lower half of its industry. The industry median PEG Ratio is 1.54. United Bankshares' value of 4.23 is 174.7% above this benchmark. Historically, United Bankshares' own PEG Ratio has ranged from 1.02 to 9.72 over the past decade. While the company's 10-year median is 2.90 vs. the industry median of 1.54, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankshares's current PEG Ratio of 4.23 is 174.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bankshares and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current PEG Ratio is 4.23, which is 46% above median its own 10-year median of 2.90. 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 PEG Ratio of 4.23. 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 PEG Ratio is 4.23, which is 46% above median its 10-year median of 2.90 and 174.7% above the Banks industry median of 1.54. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Bankshares (FRA:UNK), the current PEG Ratio is 4.23 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:
PEG Ratio: 4.23 (46% above median its 10-year median of 2.90)
GF Value™: €36.09 vs. price of €40.20 (11.4% above fair value)
Industry Position: 174.7% above the Banks median (#998 of 1231)
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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