United Bankshares, Inc. (UBSI)
Valor JustoFundamental
64
Precio
$46.01
Capitalización Bursátil
$6.26B
Parte 1 · Cuánto vale la empresa
Resumen
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated 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 well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance y Liquidez
Ingresos
$1.24B
Ejercicio cerrado el 31/12/2025
Beneficio Neto
$465M
Ejercicio cerrado el 31/12/2025
Flujo de Caja Libre
$481M
Patrimonio Neto Total
$5.50B
Pasivo Total
$28.16B
Ratio de Liquidez
-
Cobertura de Intereses
0.53
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$44.13
Precio Actual
$46.01
Margen de Seguridad
-4.3%
Rango de Valor Justo
$38.69 - $49.58
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
12.52
ROE
8.5%
Ratio P/B
1.14
P/FCF
11.72
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
9.0%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (15)
- EPS shows upward trend
- P/FCF 11.72
- P/B Ratio 1.14
- Operating Margin 47.2%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 9.4%
- Revenue Growth 5Y 9.9%
- Analyst Consensus 58% Buy
- Earnings Surprise avg 5.3%
- PEG Ratio 1.90
- Earnings Quality (OCF/NI) 1.08
- Piotroski F-Score 5/9
Fallido (7)
- EPS CAGR 2.93%
- Price CAGR -0.01%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Share Dilution 4.8%
No disponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Emitiendo nuevas acciones, diluyendo la participación
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Richard M. Adams Sr. | Executive Chairman of the Board | 78 |
| Mr. Richard Matthew Adams Jr., M.D. | CEO & Director | 57 |
| Mr. James J. Consagra Jr., CPA | President | 64 |
| Mr. W. Mark Tatterson | Executive VP, CFO & Treasurer | 50 |
| Mr. Darren K. Williams | Executive VP and Chief Information & Risk Officer | 53 |
| Mr. Ross M. Draber | Executive VP & COO | 37 |
| Mr. Matthew Lee Humphrey | Executive VP and Head of Wealth & Investment Management | 45 |
| Ms. Ami Lee Shaver | Executive VP & Chief Human Resources Officer | 54 |
| Mr. Douglas Bryon Ernest | Executive VP & Chief Credit Officer | 61 |
| Mr. Charles J. Mildren | Executive VP & Chief Consumer Lending Officer | 53 |
Riesgo de Auditoría
3
Riesgo del Consejo
8
Riesgo de Compensación
1
Riesgo de Derechos del Accionista
2
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-27
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-07
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-08-24
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.