UBSI United Bankshares Inc

Price (delayed)

$35.6

Market cap

$4.86B

P/E Ratio

13.69

Dividend/share

$1.43

EPS

$2.6

Enterprise value

$3.09B

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 10% lower than the 5-year quarterly average of 15.2 but 9% higher than the last 4 quarters average of 12.6
The equity has increased by 6% year-on-year but it has declined by 2.6% since the previous quarter
United Bankshares's EPS has decreased by 8% QoQ and by 7% YoY
UBSI's net income is down by 7% QoQ and by 3.7% YoY

Key stats

What are the main financial stats of UBSI
Market
Shares outstanding
136.52M
Market cap
$4.86B
Enterprise value
$3.09B
Valuations
Price to earnings (P/E)
13.69
Price to book (P/B)
1.06
Price to sales (P/S)
4.83
EV/EBIT
7.19
EV/EBITDA
7.06
EV/Sales
3.09
Earnings
Revenue
$1B
EBIT
$430.15M
EBITDA
$438.06M
Free cash flow
$798.58M
Per share
EPS
$2.6
Free cash flow per share
$5.87
Book value per share
$33.66
Revenue per share
$7.37
TBVPS
$201.94
Balance sheet
Total assets
$29.37B
Total liabilities
$24.77B
Debt
$1.04B
Equity
$4.6B
Working capital
N/A
Liquidity
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.04
Margins
EBITDA margin
43.7%
Gross margin
100%
Net margin
34.2%
Operating margin
42.9%
Efficiency
Return on assets
1.2%
Return on equity
7.6%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
42.9%
Dividend
Dividend yield
4.02%
DPS
$1.43
Payout ratio
55%

UBSI stock price

How has the United Bankshares stock price performed over time
Intraday
2.45%
1 week
4.4%
1 month
-2.47%
1 year
-7.24%
YTD
-1.87%
QTD
2.06%

Financial performance

How have United Bankshares's revenue and profit performed over time
Revenue
$1B
Gross profit
$1B
Operating income
$430.17M
Net income
$342.5M
Gross margin
100%
Net margin
34.2%
UBSI's net income is down by 7% QoQ and by 3.7% YoY
United Bankshares's operating income has decreased by 7% from the previous quarter and by 5% YoY
The revenue fell by 6% YoY and by 4.1% QoQ
UBSI's gross profit is down by 6% year-on-year and by 4.1% since the previous quarter

Growth

What is United Bankshares's growth rate over time

Valuation

What is United Bankshares stock price valuation
P/E
13.69
P/B
1.06
P/S
4.83
EV/EBIT
7.19
EV/EBITDA
7.06
EV/Sales
3.09
The P/E is 10% lower than the 5-year quarterly average of 15.2 but 9% higher than the last 4 quarters average of 12.6
United Bankshares's EPS has decreased by 8% QoQ and by 7% YoY
The equity has increased by 6% year-on-year but it has declined by 2.6% since the previous quarter
UBSI's P/B is 6% above its 5-year quarterly average of 1.0 and 6% above its last 4 quarters average of 1.0
UBSI's P/S is 7% above its last 4 quarters average of 4.5 but 3.4% below its 5-year quarterly average of 5.0
The revenue fell by 6% YoY and by 4.1% QoQ

Efficiency

How efficient is United Bankshares business performance
United Bankshares's ROA has decreased by 14% YoY and by 8% from the previous quarter
The ROIC fell by 10% QoQ and by 5% YoY
United Bankshares's ROE has decreased by 8% YoY and by 7% from the previous quarter
United Bankshares's return on sales has increased by 3.4% YoY but it has decreased by 3.2% QoQ

Dividends

What is UBSI's dividend history
DPS
$1.43
Dividend yield
4.02%
Payout ratio
55%
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 9% YoY
The total assets has grown by 9% YoY
The company's debt is 77% lower than its equity
The equity has increased by 6% year-on-year but it has declined by 2.6% since the previous quarter
The debt to equity rose by 4.5% since the previous quarter but it has declined by 4.2% year-on-year

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