UBSI

United Bankshares, Inc. [UBSI] Stock Forecast

Q: What is United Bankshares, Inc. stock symbol ?

United Bankshares, Inc. is a US stock, located in Charleston of Wv and trading under the symbol UBSI

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UBSI Stock Summary

Earnings have grown 45.86% per last year.

Earnings are expected to fall -100% next year

Unstable dividend track record

EPS has been decreasing for the past 3 years (Yearly statements)

UBSI has less than 1 year of cash runway

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UBSI Financial details

Company Rating

Buy

Market Cap

4.47B

Income

366.31M

Revenue

1.19B

Book val./share

35.42

Cash/share

39.97

Dividend

1.45

Dividend %

3.91%

Employees

2.64K

Optionable

Shortable

Yes

Earnings

24 Apr 2024

P/E

12.91

Forward P/E

PEG

-36.28

P/S

4.71

P/B

1.07

P/C

0.85

P/FCF

12.62

Quick Ratio

26.77

Current Ratio

26.2

Debt / Equity

0.42

LT Debt / Equity

EPS (TTM)

2.71

EPS next Y

EPS next Q

EPS this Y

-3.2%

EPS next Y

EPS next 5Y

EPS last 5Y

1.3%

Revenue last 5Y

15.5%

Revenue Q/Q

50.43%

EPS Q/Q

-16.9%

SMA20

-2.94%

SMA50

-5.71%

SMA100

Inst Own

55.47%

Inst Trans

0.77%

ROA

ROE

ROC

0.02%

Gross Margin

100%

Oper. Margin

60%

Profit Margin

36%

Payout

50%

Shs Outstand

Shs Float

Target Price

52W Range

25.35-38.74

52W High

-10.92%

52W Low

+35.4%

RSI

Rel Volume

0.47

Avg Volume

560.47K

Volume

264.33K

Perf Week

1.8%

Perf Month

-3.26%

Perf Quarter

22.6%

Perf Half Y

21.89%

Beta

1.013

Volatility

0.42%, 0.85%

Prev Close

2.2%

Price

33.85

Change

3.87%

UBSI Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	7.21	8.64	7.8	7.65	11.19
Net income per share	2.56	2.41	2.84	2.82	2.72
Operating cash flow per share	1.45	1.17	4.72	5.65	3.04
Free cash flow per share	1.34	1.01	4.6	5.52	2.95
Cash per share	32.24	43.01	60.34	42.43	40.03
Book value per share	33.11	35.81	36.5	33.51	35.47
Tangible book value per share	18.27	20.44	21.54	19.2	21.4
Share holders equity per share	33.11	35.81	36.5	33.51	35.47
Interest debt per share	24.2	9.9	8.4	18.84	15.56
Market cap	3.93B	3.89B	4.69B	5.46B	5.05B
Enterprise value	5.36B	2.76B	1.96B	6.71B	5.53B
P/E ratio	15.1	13.45	12.75	14.37	13.79
Price to sales ratio	5.36	3.75	4.65	5.29	3.36
POCF ratio	26.59	27.69	7.69	7.17	12.36
PFCF ratio	28.75	32.03	7.89	7.34	12.72
P/B Ratio	1.17	0.9	0.99	1.21	1.06
PTB ratio	1.17	0.9	0.99	1.21	1.06
EV to sales	7.33	2.66	1.95	6.51	3.68
Enterprise value over EBITDA	16	7.45	4.19	11.36	1.08K
EV to operating cash flow	36.32	19.65	3.22	8.83	13.53
EV to free cash flow	39.26	22.73	3.31	9.03	13.93
Earnings yield	0.07	0.07	0.08	0.07	0.07
Free cash flow yield	0.03	0.03	0.13	0.14	0.08
Debt to equity	0.68	0.25	0.22	0.54	0.42
Debt to assets	0.12	0.04	0.04	0.08	0.07
Net debt to EBITDA	4.29	-3.05	-5.81	2.13	93.88
Current ratio	8.9	36.75	61.05	76.73	0.09
Interest coverage	1.78	3.35	8.84	5.55	-0.19
Income quality	0.57	0.49	1.66	2	1.12
Dividend Yield	0.04	0.04	0.04	0.04	0.04
Payout ratio	0.53	0.56	0.49	0.51	0.53
Sales general and administrative to revenue	0.33	0.36	0.37	0.29	0.21
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.08	0.07	0.07	0.07	0.06
Capex to operating cash flow	-0.08	-0.14	-0.03	-0.02	-0.03
Capex to revenue	-0.02	-0.02	-0.02	-0.02	-0.01
Capex to depreciation	0.54	1.16	-1.94	-0.71	-0.52
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0.01
Graham number	43.68	44.05	48.33	46.08	46.62
ROIC	0.05	0.05	0.06	0.07	0
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-132.26	-148.51	-144.49	-142.34	-141.26
Working capital	2.96B	5.09B	7.74B	5.74B	-18.15B
Tangible asset value	1.86B	2.45B	2.78B	2.59B	2.88B
Net current asset value	-12.97B	-16.66B	-16.74B	-19.16B	-23.5B
Invested capital	0.68	0.25	0.22	0.54	0.42
Average receivables	59.34M	62.46M	65.67M	79.7M	103.16M
Average payables	0	0	0	0	0
Average inventory	-455.55M	-1.6B	-3.07B	-1.92B	743.76M
Days sales outstanding	28.96	23.53	23.35	33.57	27.03
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	339.55K
Receivables turnover	12.6	15.51	15.63	10.87	13.5
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.08	0.07	0.08	0.08	0.08
Capex per share	-0.11	-0.16	-0.12	-0.13	-0.09

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.03	1.95	1.95	1.96	2.95
Net income per share	0.74	0.73	0.69	0.71	0.59
Operating cash flow per share	1.02	0.88	0.48	0.67	1.01
Free cash flow per share	0.98	0.85	0.46	0.65	0.99
Cash per share	42.59	47.15	42.3	36.63	39.97
Book value per share	33.64	34.27	34.43	34.52	35.42
Tangible book value per share	19.27	19.94	20.25	20.35	21.37
Share holders equity per share	33.64	34.27	34.43	34.52	35.42
Interest debt per share	18.56	23.32	19.07	13.29	15.91
Market cap	5.44B	4.73B	4B	3.72B	5.06B
Enterprise value	6.69B	5.85B	4.75B	4.19B	5.54B
P/E ratio	13.62	12.03	10.8	9.66	15.93
Price to sales ratio	19.98	18.02	15.2	14.08	12.74
POCF ratio	39.67	40.04	61.54	41.49	37.17
PFCF ratio	41.17	41.25	64.81	42.32	38.06
P/B Ratio	1.2	1.03	0.86	0.8	1.06
PTB ratio	1.2	1.03	0.86	0.8	1.06
EV to sales	24.61	22.28	18.08	15.89	13.95
Enterprise value over EBITDA	35.75	26.72	40.57	34.31	4.33K
EV to operating cash flow	48.84	49.53	73.21	46.82	40.7
EV to free cash flow	50.7	51.02	77.1	47.75	41.68
Earnings yield	0.02	0.02	0.02	0.03	0.02
Free cash flow yield	0.02	0.02	0.02	0.02	0.03
Debt to equity	0.54	0.66	0.53	0.36	0.42
Debt to assets	0.08	0.1	0.08	0.06	0.07
Net debt to EBITDA	6.72	5.12	6.47	3.91	375.54
Current ratio	76.73	37.26	32.24	26.2	0.09
Interest coverage	3.19	2.29	0.98	0.94	-3.26
Income quality	0.46	1.2	0.7	0.93	1.72
Dividend Yield	0.01	0.01	0.01	0.01	0.01
Payout ratio	0.49	0.49	0.53	0.51	0.61
Sales general and administrative to revenue	0.26	0.28	0.29	0.29	0.57
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.07	0.06	0.06	0.07	0.06
Capex to operating cash flow	-0.04	-0.03	-0.05	-0.02	-0.02
Capex to revenue	-0.02	-0.01	-0.01	-0.01	-0.01
Capex to depreciation	-0.21	-2.7	-2.56	-1.37	-2.51
Stock based compensation to revenue	0.04	0.01	0.01	0.01	0.01
Graham number	23.71	23.75	23.06	23.55	21.67
ROIC	0.02	0.02	0.01	0.02	-0.05
Return on tangible assets	0	0	0	0	0
Graham Net	-142.87	-150.46	-150.22	-150.45	-141.06
Working capital	5.74B	6.17B	5.52B	4.75B	-18.15B
Tangible asset value	2.59B	2.68B	2.73B	2.74B	2.88B
Net current asset value	-19.16B	-19.24B	-19.36B	-19.64B	-23.5B
Invested capital	0.54	0.66	0.53	0.36	0.42
Average receivables	88.62M	96.81M	97.99M	102.02M	109.1M
Average payables	0	0	0	0	0
Average inventory	0	-1.06B	-2.01B	-1.65B	43.37M
Days sales outstanding	31.39	33.83	33.29	36.4	25.25
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	2.87	2.66	2.7	2.47	3.56
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.02	0.02	0.02	0.02	0.02
Capex per share	-0.04	-0.03	-0.02	-0.01	-0.02

UBSI Dividend History

UBSI Frequently Asked Questions

What is United Bankshares, Inc. stock symbol ?

United Bankshares, Inc. is a US stock , located in Charleston of Wv and trading under the symbol UBSI

What is United Bankshares, Inc. stock quote today ?

United Bankshares, Inc. stock price is $33.85 today.

Is United Bankshares, Inc. stock public?

Yes, United Bankshares, Inc. is a publicly traded company.

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Company Profile

Volume Average 560.47K
Market Capitalization 4.47B
Employee 2.64K
CEO Mr. Richard Matthew Adams Jr., M.D.
Headquarters Charleston,WV,US
IPO Date 1987-06-04
Website https://www.ubsi-inc.com

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.