ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is United Bankshares, Inc. (West Virginia) ?
1
High Profitability with a Net Interest Margin of 6.14%
2
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 555.58 MM
- ROCE(HY) Highest at 1.55%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.77%, it has a very attractive valuation with a 1.06 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 24.20%, its profits have risen by 24.6% ; the PEG ratio of the company is 0.6
4
High Institutional Holdings at 86.24%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 11.97% over the previous quarter.
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)
24.2%
2.25
22.38%
S&P 500
15.36%
1.17
13.09%
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
45.59%
Pledged Shares
0
Institutional Holding
74.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.06
EV to EBIT
6.44
EV to EBITDA
6.34
EV to Capital Employed
1.10
EV to Sales
2.19
PEG Ratio
0.63
Dividend Yield
2.78%
ROCE (Latest)
17.06%
ROE (Latest)
8.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 555.58 MM
ROCE(HY)
Highest at 1.55%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 161.36 MM
OPERATING PROFIT MARGIN(Q)
Highest at 38.58 %
NET PROFIT(Q)
Highest at USD 131.22 MM
EPS(Q)
Highest at USD 0.95
-3What is not working for the Company
ROCE(HY)
Lowest at 1.55%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 40.08%
Here's what is working for United Bankshares, Inc. (West Virginia)
Operating Cash Flow
Highest at USD 555.58 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 161.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 38.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 131.22 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.95
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for United Bankshares, Inc. (West Virginia)
Dividend Payout Ratio
Lowest at 40.08%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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