Financials United Bankshares, Inc.

Equities

UBSI

US9099071071

Banks

Market Closed - Nasdaq 04:00:00 2024-05-31 pm EDT 5-day change 1st Jan Change
32.44 USD +1.85% Intraday chart for United Bankshares, Inc. -0.83% -13.61%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 3,916 4,193 4,932 5,437 5,054 4,375 -
Enterprise Value (EV) 1 3,916 4,193 4,932 5,437 5,054 4,375 4,375
P/E ratio 15.2 x 13.5 x 12.8 x 14.5 x 13.9 x 12.4 x 12.3 x
Yield 3.54% 4.32% 3.89% 3.56% 3.86% 4.59% 4.66%
Capitalization / Revenue 5.35 x 4.01 x 4.83 x 5.18 x 4.79 x 4.23 x 3.84 x
EV / Revenue 5.35 x 4.01 x 4.83 x 5.18 x 4.79 x 4.23 x 3.84 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.17 x 0.97 x 1.05 x 1.21 x 1.06 x 0.89 x 0.86 x
Nbr of stocks (in thousands) 101,283 129,422 135,939 134,285 134,598 134,872 -
Reference price 2 38.66 32.40 36.28 40.49 37.55 32.44 32.44
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 732.1 1,045 1,021 1,050 1,055 1,034 1,140
EBITDA - - - - - - -
EBIT 1 354.6 529.4 443.1 494.6 495 473.2 504.7
Operating Margin 48.43% 50.68% 43.41% 47.12% 46.91% 45.76% 44.29%
Earnings before Tax (EBT) 1 324.4 359.7 462.9 475.8 463.8 441.3 462.5
Net income 1 260.1 289 367.7 379.6 366.3 352.2 369
Net margin 35.53% 27.67% 36.02% 36.17% 34.72% 34.06% 32.38%
EPS 2 2.550 2.400 2.830 2.800 2.710 2.607 2.635
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.370 1.400 1.410 1.440 1.450 1.490 1.512
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 237.7 237.5 258.5 274.5 280.3 268.2 263.8 263 263.4 254.7 256 261.5 261.8 268.8 282.6
EBITDA - - - - - - - - - - - - - - -
EBIT 1 86.98 99.46 118.4 136.2 142.7 131.2 135.8 127.9 111.1 114 115.4 119.7 121.9 92.81 132.6
Operating Margin 36.59% 41.87% 45.82% 49.61% 50.93% 48.91% 51.49% 48.65% 42.18% 44.74% 45.07% 45.78% 46.57% 34.53% 46.91%
Earnings before Tax (EBT) 1 93.34 101.8 119.1 128.5 126.4 122.8 115.9 120.9 104.2 108.2 109 111.8 111.9 76.92 123.4
Net income 1 73.85 81.66 95.61 102.6 99.76 98.31 92.46 96.16 79.39 86.81 87.03 89.13 89.24 61.3 98.41
Net margin 31.07% 34.38% 36.99% 37.37% 35.59% 36.65% 35.05% 36.56% 30.14% 34.08% 33.99% 34.08% 34.09% 22.81% 34.82%
EPS 2 0.5600 0.6000 0.7100 0.7600 0.7400 0.7300 0.6800 0.7100 0.5900 0.6400 0.6433 0.6583 0.6567 0.4440 0.6940
Dividend per Share 2 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3700 0.3700 0.3717 0.3717 0.3750 0.3767 0.3767
Announcement Date 1/27/22 4/26/22 7/28/22 10/27/22 1/26/23 4/26/23 7/27/23 10/25/23 1/26/24 4/25/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.8% 7.3% 8.3% 8.25% 7.87% 7.26% 7.27%
ROA (Net income/ Total Assets) 1.34% 1.2% 1.35% 1.31% 1.25% 1.19% 1.2%
Assets 1 19,410 24,085 27,240 28,979 29,305 29,515 30,752
Book Value Per Share 2 33.10 33.30 34.60 33.50 35.40 36.50 37.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
6
Last Close Price
32.44 USD
Average target price
37.33 USD
Spread / Average Target
+15.08%
Consensus
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