UBSI United Bankshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: UBSI

Price (delayed)

$37.31

Market cap

$4.82B

P/E Ratio

12.48

Dividend/share

$1.41

EPS

$2.99

Enterprise value

$1.8B

As of December 31, 2020, United had consolidated assets of approximately $26.2 billion. United is the parent company of United Bank, the largest community bank headquartered in the D.C. Metro ...

Highlights
The P/E is 21% lower than the 5-year quarterly average of 15.7 and 2.5% lower than the last 4 quarters average of 12.8
The company's debt fell by 12% YoY
UBSI's net income is up by 49% YoY but it is down by 2.9% QoQ
United Bankshares's EPS has increased by 32% YoY but it has decreased by 2.9% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ubsi-wv.com
Peers: FCNCA MTB HBAN FCBC

Key stats

What are the main financial stats of UBSI
Market
Shares outstanding
129.2M
Market cap
$4.82B
Enterprise value
$1.8B
Valuations
Price to earnings (P/E)
12.48
Price to book (P/B)
1.09
Price to sales (P/S)
4.49
EV/EBIT
3.74
EV/EBITDA
3.87
EV/Sales
1.69
Earnings
Revenue
$1.07B
EBIT
$482.71M
EBITDA
$466.28M
Free cash flow
$724.51M
Per share
EPS
$2.99
Free cash flow per share
$5.63
Book value per share
$34.29
Revenue per share
$8.3
TBVPS
$199.57
Balance sheet
Total assets
$27.51B
Total liabilities
$23.08B
Debt
$1.02B
Equity
$4.43B
Working capital
N/A
Liquidity
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.47
Margins
EBITDA margin
43.6%
Gross margin
100%
Net margin
36.1%
Operating margin
45.2%
Efficiency
Return on assets
1.4%
Return on equity
8.9%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
45.2%
Dividend
Dividend yield
3.78%
DPS
$1.41
Payout ratio
47.2%

UBSI stock price

How has the United Bankshares stock price performed over time
Intraday
2.05%
1 week
-5.02%
1 month
3.52%
1 year
4.57%
YTD
2.84%
QTD
2.84%

Financial performance

How have United Bankshares's revenue and profit performed over time
Revenue
$1.07B
Gross profit
$1.07B
Operating income
$482.71M
Net income
$386.26M
Gross margin
100%
Net margin
36.1%
UBSI's net income is up by 49% YoY but it is down by 2.9% QoQ
United Bankshares's operating income has increased by 45% YoY but it has decreased by 5% from the previous quarter
The revenue rose by 27% YoY but it fell by 4.2% QoQ
UBSI's gross profit is up by 27% year-on-year but it is down by 4.2% since the previous quarter

Growth

What is United Bankshares's growth rate over time

Valuation

What is United Bankshares stock price valuation
P/E
12.48
P/B
1.09
P/S
4.49
EV/EBIT
3.74
EV/EBITDA
3.87
EV/Sales
1.69
United Bankshares's EPS has increased by 32% YoY but it has decreased by 2.9% QoQ
The P/E is 21% lower than the 5-year quarterly average of 15.7 and 2.5% lower than the last 4 quarters average of 12.8
The equity has increased by 3.8% year-on-year
The revenue rose by 27% YoY but it fell by 4.2% QoQ
UBSI's P/S is 12% below its 5-year quarterly average of 5.1 but 4.4% above its last 4 quarters average of 4.3

Efficiency

How efficient is United Bankshares business performance
The ROIC rose by 40% YoY but it fell by 4.5% QoQ
United Bankshares's ROE has increased by 29% YoY but it has decreased by 3.3% from the previous quarter
United Bankshares's ROA has increased by 27% YoY but it has decreased by 7% from the previous quarter
United Bankshares's return on sales has increased by 18% YoY

Dividends

What is UBSI's dividend history
Dividend details
DPS
$1.41
Dividend yield
3.78%
Payout ratio
47.2%
Recent dividends

Financial health

How did United Bankshares financials performed over time
The total assets is 19% more than the total liabilities
The company's total liabilities rose by 7% YoY
The total assets has grown by 6% YoY
The company's debt is 77% lower than its equity
The debt to equity has declined by 15% year-on-year
The company's debt fell by 12% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.