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Earnings transcript
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UBSI
United Bankshares, Inc.
$41.87
0.19
(0.46%)
[ms_data_label text=’Delayed data’]
| Exchange: | NASDAQ |
| Market Cap: | 5.837B |
| Shares Outstanding: | 10M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Richard Matthew Adams Jr. | |||||
| Full Time Employees: | 2553 | |||||
| Address: |
| |||||
| Website: | https://www.ubsi-inc.com |
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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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 | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,348,262.867 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,378,224.264 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,358,250 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 489,732.332 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 500,615.273 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 493,359.979 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 515,378.442 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 548,807.664 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 532,093.053 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 331,338.038 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 338,701.106 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 333,792.394 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.790 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.890 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.660 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full 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 $43.42 – $47.05 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.
[ms_data_label text="Daily snapshot"]
0.46
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 30.51 | Year High: | 45.93 | |
| Price Avg 50: | 41.93 | Price Avg 200: | 38.56 | |
| Volume: | 848256 | Average Volume: | 940190 |
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Login — it's freeUBSI 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…
