UBSI United Bankshares Inc

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

Price (delayed)

$33.54

Market cap

$4.53B

P/E Ratio

12.33

Dividend/share

$1.46

EPS

$2.72

Enterprise value

$5.01B

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 equity has increased by 6% year-on-year and by 2.6% since the previous quarter
The company's debt rose by 25% QoQ but it fell by 15% YoY
The P/E is 7% higher than the last 4 quarters average of 11.4 but 4.1% lower than the 5-year quarterly average of 12.7
UBSI's net income is down by 5% QoQ and by 3.5% YoY
United Bankshares's EPS has decreased by 4.9% QoQ and by 3.2% YoY
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
134.95M
Market cap
$4.53B
Enterprise value
$5.01B
Valuations
Price to earnings (P/E)
12.33
Price to book (P/B)
0.95
Price to sales (P/S)
4.41
EV/EBIT
10.79
EV/EBITDA
10.28
EV/Sales
4.89
Earnings
Revenue
$1.02B
EBIT
$463.81M
EBITDA
$486.91M
Free cash flow
$426.09M
Per share
EPS
$2.72
Free cash flow per share
$3.17
Book value per share
$35.36
Revenue per share
$7.61
TBVPS
$208.45
Balance sheet
Total assets
$29.93B
Total liabilities
$25.16B
Debt
$2.08B
Equity
$4.77B
Working capital
N/A
Liquidity
Debt to equity
0.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.98
Margins
EBITDA margin
47.5%
Gross margin
100%
Net margin
35.8%
Operating margin
45.3%
Efficiency
Return on assets
1.2%
Return on equity
7.9%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
45.3%
Dividend
Dividend yield
4.35%
DPS
$1.46
Payout ratio
53.7%

UBSI stock price

How has the United Bankshares stock price performed over time
Intraday
1.27%
1 week
1.27%
1 month
0.63%
1 year
-3.59%
YTD
-10.68%
QTD
-6.29%

Financial performance

How have United Bankshares's revenue and profit performed over time
Revenue
$1.02B
Gross profit
$1.02B
Operating income
$463.81M
Net income
$366.31M
Gross margin
100%
Net margin
35.8%
UBSI's net income is down by 5% QoQ and by 3.5% YoY
The company's net margin fell by 4.5% QoQ and by 2.7% YoY
United Bankshares's operating income has decreased by 4.6% from the previous quarter and by 2.5% YoY
The company's operating margin fell by 3.8% QoQ

Growth

What is United Bankshares's growth rate over time

Valuation

What is United Bankshares stock price valuation
UBSI P/E details
P/E
12.33
P/B
0.95
P/S
4.41
EV/EBIT
10.79
EV/EBITDA
10.28
EV/Sales
4.89
The P/E is 7% higher than the last 4 quarters average of 11.4 but 4.1% lower than the 5-year quarterly average of 12.7
United Bankshares's EPS has decreased by 4.9% QoQ and by 3.2% YoY
The equity has increased by 6% year-on-year and by 2.6% since the previous quarter
UBSI's P/B is 6% below its 5-year quarterly average of 1.0 but 4.4% above its last 4 quarters average of 0.9
UBSI's P/S is 3.6% above its last 4 quarters average of 4.2 but 3.3% below its 5-year quarterly average of 4.5

Efficiency

How efficient is United Bankshares business performance
The ROIC fell by 11% YoY and by 6% QoQ
United Bankshares's ROA has decreased by 8% from the previous quarter and by 8% YoY
United Bankshares's ROE has decreased by 6% from the previous quarter and by 6% YoY
United Bankshares's return on sales has decreased by 3.8% QoQ

Dividends

What is UBSI's dividend history
Dividend details
DPS
$1.46
Dividend yield
4.35%
Payout ratio
53.7%
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 2.4% QoQ
The total assets has grown by 2.4% from the previous quarter
The company's debt is 56% lower than its equity
The company's debt rose by 25% QoQ but it fell by 15% YoY
The debt to equity rose by 22% since the previous quarter but it has declined by 19% year-on-year

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