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UBSI
United Bankshares, Inc.
$46.69
0.09
(0.19%)
| Exchange: | NASDAQ |
| Market Cap: | 6.36B |
| Shares Outstanding: | 10M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Richard Matthew Adams Jr. | |||||
| Full Time Employees: | 2694 | |||||
| Address: |
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| Website: | https://www.ubsi-inc.com |
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
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Revenue Segmentation
UBSI full analysis
Welcome to MARKETSNAP’s SWOT analysis for United Bankshares, Inc., or UBSI as it’s known on the ticker. If you’re not familiar with this name, let me give you the quick rundown. United Bankshares is a regional banking powerhouse based in the U.S., operating in the financial services sector with a focus on commercial and retail banking. They’ve got a solid footprint in the industry, and with a sizable market cap, they’re a notable player among regional banks. Today, we’re diving…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| UBSI | United Bankshares, Inc. | 6.4B | 12.4 | 13.3 | 6.4% |
 FNB | F.N.B. Corporation | 6.1B | 10.1 | 10.1 | 1.2% |
 IFS | Intercorp Financial Services Inc. | 6.0B | 9.8 | 9.2 | 4.6% |
 GGAL | Grupo Financiero Galicia S.A. | 6.0B | 54.9 | 6.6 | 0.3% |
 HWC | Hancock Whitney Corporation | 5.9B | 14.1 | 11.3 | 1.2% |
 HOMB | Home Bancshares, Inc. | 5.8B | 11.6 | 11.5 | 1.9% |
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,528,850 | 1,620,707 | 1,820,595 |
| Gross Profit | 1,016,301 | 1,004,501 | 1,189,819 |
| EBITDA | 486,911 | 474,975 | 590,179 |
| Operating Income | 463,805 | 464,579 | 590,179 |
| Net Income | 366,313 | 372,996 | 464,603 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 29,926,482 | 30,023,545 | 33,660,281 |
| Total Liabilities | 25,155,242 | 25,030,322 | 28,164,298 |
| Total Stockholders Equity | 4,771,240 | 4,993,223 | 5,495,983 |
| Total Debt | 2,078,083 | 803,281 | 921,174 |
| Cash and Cash Equivalents | 1,597,773 | 2,290,976 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 435,237 | 445,454 | 0 |
| Capital Expenditure | -11,687 | -12,128 | 0 |
| Free Cash Flow | 423,550 | 433,326 | 0 |
| Net Income | 366,313 | 372,996 | 464,603 |
| Net Change in Cash | 422,291 | 693,301 | -2,292,244 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,388,049.631 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,395,854.971 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,392,843 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 728,352.295 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 733,587.565 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 730,969.930 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 569,819.350 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 573,988.135 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 571,903.743 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 341,115.707 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 343,033.884 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 342,293.686 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.060 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.070 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.040 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: UBSI demonstrates consistent revenue and net income as reflected in recent income statements, supported by stable operating cash flow and free cash flow figures from cash flow statements. This indicates a robust financial foundation, appealing to investors seeking reliable returns.
- Strong Balance Sheet Metrics: The balance sheet data highlights a healthy level of cash and cash equivalents relative to total liabilities, with a reasonable debt-to-equity ratio (per key metrics). This financial stability reduces risk and supports long-term growth initiatives.
- Dividend Yield and Shareholder Returns: UBSI offers a competitive dividend yield (per key metrics), with consistent dividend payments as seen in cash flow statements (net dividends paid). This makes the stock attractive to income-focused investors in the 25-50 age demographic.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates UBSI intrinsic value between $14.82 – $32.60 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about UBSI valuation
Is United Bankshares, Inc. (UBSI) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for United Bankshares, Inc. (UBSI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is UBSI a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UBSI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is UBSI’s P/E ratio?
You can see UBSI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for UBSI?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is UBSI a good long-term investment?
Whether UBSI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
UBSI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.19
Trading Metrics:
| Open: | 46.85 | Previous Close: | 46.6 | |
| Day Low: | 46.39 | Day High: | 47.27 | |
| Year Low: | 34.42 | Year High: | 49.62 | |
| Price Avg 50: | 47.19 | Price Avg 200: | 44.34 | |
| Volume: | 808307 | Average Volume: | 1.024M |
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