United Bankshares, Inc. (West Virginia) (UBSI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Pinnacle Financial Partners, Inc.

SouthState Corp.

Bank OZK

Columbia Banking System, Inc.

Home Bancshares, Inc. (Arkansas)

Wintrust Financial Corp.

United Bankshares, Inc. (West Virginia)

Popular, Inc.

Synovus Financial Corp.

Prosperity Bancshares, Inc.

Western Alliance Bancorp.

Why is United Bankshares, Inc. (West Virginia) ?

High Profitability with a Net Interest Margin of 7.37%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 469.24 MM
NII(Q) Highest at USD 274.54 MM
GROSS NPA (%)(Q) Lowest at 0.28%

With ROA of 0.78%, it has a very attractive valuation with a 1.01 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 -12.31%, its profits have risen by 4.5% ; the PEG ratio of the company is 3.4

High Institutional Holdings at 77.46%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.86% over the previous quarter.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -12.31% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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, Medium Return

Absolute

Risk Adjusted

Volatility

United Bankshares, Inc. (West Virginia)

-8.28%

0.81

26.14%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.02%

EBIT Growth (5y)

5.89%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

53.78%

Pledged Shares

Institutional Holding

77.46%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.01

EV to EBIT

7.02

EV to EBITDA

6.94

EV to Capital Employed

1.01

EV to Sales

2.05

PEG Ratio

3.39

Dividend Yield

2.99%

ROCE (Latest)

14.39%

ROE (Latest)

6.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 469.24 MM

NII(Q)

Highest at USD 274.54 MM

GROSS NPA (%)

NET SALES(Q)

Highest at USD 421.2 MM

OPERATING PROFIT(Q)

Highest at USD 151.66 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.01 %

PRE-TAX PROFIT(Q)

Highest at USD 152.09 MM

NET PROFIT(Q)

Highest at USD 120.45 MM

EPS(Q)

Highest at USD 0.85

-1What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 43.76%

Here's what is working for United Bankshares, Inc. (West Virginia)

NII

Highest at USD 274.54 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 469.24 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Lowest at 0.28%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Net Sales

Highest at USD 421.2 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 151.66 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 36.01 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 152.09 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 120.45 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.85

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for United Bankshares, Inc. (West Virginia)

Dividend Payout Ratio

Lowest at 43.76%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)