ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is United Bankshares, Inc. (West Virginia) ?
1
High Profitability with a Net Interest Margin of 6.15%
2
Positive results in Dec 25
- NII(Q) Highest at USD 287.46 MM
- ROCE(HY) Highest at 1.46%
- NET PROFIT(9M) Higher at USD 379.73 MM
3
With ROA of 0.73%, it has a very attractive valuation with a 0.98 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.94%, its profits have risen by 10% ; the PEG ratio of the company is 1.3
4
High Institutional Holdings at 74.91%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to United Bankshares, Inc. (West Virginia) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is United Bankshares, Inc. (West Virginia) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
United Bankshares, Inc. (West Virginia)
13.83%
1.07
26.22%
S&P 500
17.45%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.12%
EBIT Growth (5y)
7.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
45.57%
Pledged Shares
0
Institutional Holding
74.91%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.98
EV to EBIT
6.73
EV to EBITDA
6.64
EV to Capital Employed
0.97
EV to Sales
2.10
PEG Ratio
1.34
Dividend Yield
3.04%
ROCE (Latest)
14.38%
ROE (Latest)
7.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 287.46 MM
ROCE(HY)
Highest at 1.46%
NET PROFIT(9M)
Higher at USD 379.73 MM
CASH AND EQV(HY)
Highest at USD 2,809.76 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 160.11 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.23 %
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 359.98 MM
ROCE(HY)
Lowest at 1.46%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 41.76%
Here's what is working for United Bankshares, Inc. (West Virginia)
NII
Highest at USD 287.46 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 160.11 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.23 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 2,809.76 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 379.73 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for United Bankshares, Inc. (West Virginia)
Operating Cash Flow
Lowest at USD 359.98 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 41.76%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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