United Bankshares, Inc.(UBSI) Stock Research - Grey Stern Research
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United Bankshares, Inc. (UBSI) Stock Analysis

$38.31 (-1.11%)

UBSI Financial Performance


Use the table below to view United Bankshares, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $38.74 -
52 Week Low $30.68 -
52 Week High $44.43 -
Market Cap $5.2 Billion 4/21
Gross Margin 100% 1/21
Profit Margin 23% 6/21
EBITDA margin 28% 9/21
Q3 - 2024 Revenue $409.8 Million 5/21
Q3 - 2024 Earnings $95.3 Million 5/21
Q3 - 2024 Free Cash Flow $131.4 Million 4/21
Trailing 4 Quarters Revenue $1.6 Billion 4/21
Trailing 4 Quarters Earnings $358.0 Million 5/21
Quarterly Earnings Growth -1% 10/21
Annual Earnings Growth -4% 9/21
Quarterly Revenue Growth 55% 5/21
Annual Revenue Growth 52% 4/21
Cash On Hand $0 17/21
Short Term Debt $182.0 Million 8/21
Long Term Debt $540.1 Million 5/21

United Bankshares, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare United Bankshares, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 14.63 6/21
PS 3.27 8/21
PB 1.05 12/21
PC -1.00 17/21
Liabilities to Equity 5.01 19/21
ROA 0.01 2/21
ROE 0.07 13/21
Current Ratio 1.20 2/21
Quick Ratio 0.00 17/21
Long Term Debt to Equity 0.11 12/21
Debt to Equity 0.15 16/21
Burn Rate 0.00 12/21
Cash to Cap 0.00 17/21
CCR 1.38 12/21
EV to EBITDA 51.26 7/21
EV to Revenue 3.72 6/21

Company Details

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.

CEO: Mr. Richard Adams

Website: https://www.ubsi-inc.com

Address: 500 Virginia St E Charleston, WEST VIRGINIA

Exchange: NASDAQ Global Select

Industry: Banks—Regional

United Bankshares, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to United Bankshares, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Pacific Premier Bancorp, Inc. PPBI $2.4 Billion
Commerce Bancshares, Inc. CBSH $8.8 Billion
Texas Capital Bancshares, Inc. TCBI $3.7 Billion
Prosperity Bancshares, Inc. PB $7.5 Billion
BOK Financial Corporation BOKF $7.2 Billion
Luther Burbank Corporation LBC $466.8 Million
The First of Long Island Corporation FLIC $266.5 Million
TriCo Bancshares TCBK $1.4 Billion
Great Southern Bancorp, Inc. GSBC $688.9 Million
Eagle Bancorp, Inc. EGBN $742.4 Million
Peoples Bancorp Inc. PEBO $1.1 Billion
Renasant Corporation RNST $2.3 Billion
The First Bancshares, Inc. FBMS $1.1 Billion
First Financial Corporation THFF $553.9 Million
Bank of Marin Bancorp BMRC $375.4 Million
Enterprise Bancorp, Inc. EBTC $520.7 Million
Northrim BanCorp, Inc. NRIM $429.7 Million
Home Bancorp, Inc. HBCP $373.9 Million
Hancock Whitney Corporation HWC $5.1 Billion
Virginia National Bankshares Corporation VABK $190.8 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
UBSI Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 409.8 Million $95.3 Million
Q2 2024 $ 399.5 Million $96.5 Million
Q1 2024 $ 395.2 Million $86.8 Million
Q4 2023 $ 397.1 Million $79.4 Million
Q3 2023 $ 264.0 Million $96.2 Million
Q2 2023 $ 262.9 Million $92.5 Million
Q1 2023 $ 262.6 Million $98.3 Million
Q4 2022 $ 272.1 Million $99.8 Million

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UBSI Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $0 $29.9 Billion $722.1 Million $5.0 Billion
Q2 2024 $1.9 Billion $30.0 Billion $1.8 Billion $4.9 Billion
Q1 2024 $1.7 Billion $30.0 Billion $2.0 Billion $4.8 Billion
Q4 2023 $1.6 Billion $29.9 Billion $2.1 Billion $4.8 Billion
Q3 2023 $1.2 Billion $29.2 Billion $1.7 Billion $4.6 Billion
Q2 2023 $1.7 Billion $29.7 Billion $2.5 Billion $4.6 Billion
Q1 2023 $1.9 Billion $30.2 Billion $3.0 Billion $4.6 Billion
Q4 2022 $1.2 Billion $29.5 Billion $2.4 Billion $4.5 Billion

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UBSI Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $131.4 Million $7.7 Million $50.0 Million
Q2 2024 $58.2 Million -$3.0 Million $126.2 Million
Q1 2024 $119.6 Million -$4.8 Million $133.7 Million
Q4 2023 $2.6 Million $0 $2.6 Million
Q3 2023 $87.8 Million -$1.8 Million -$508.3 Million
Q2 2023 $61.7 Million -$3.3 Million -$226.3 Million
Q1 2023 $114.7 Million -$3.4 Million $742.0 Million
Q4 2022 $132.0 Million -$5.0 Million -$179.7 Million

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