United Bankshares, Inc. (UBSI)
適正価値ファンダメンタル
64
株価
$46.01
時価総額
$6.26B
パート1 · 企業の価値
概要
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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Who this company fights with for the same customers
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貸借対照表と流動性
売上高
$1.24B
2025/12/31に終了した会計年度
純利益
$465M
2025/12/31に終了した会計年度
フリーキャッシュフロー
$481M
自己資本合計
$5.50B
負債合計
$28.16B
流動比率
-
利払い倍率
0.53
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$44.13
現在株価
$46.01
安全マージン
-4.3%
適正価値レンジ
$38.69 - $49.58
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
12.52
ROE
8.5%
P/B レシオ
1.14
P/FCF
11.72
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
9.0%
ROIC − WACC
-
ファンダメンタル分析基準
合格（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
不合格（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%
データなし（6）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
新株を発行しており、所有権を希薄化している
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 |
監査リスク
3
取締役会リスク
8
報酬リスク
1
株主権利リスク
2
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
via SEC EDGAR
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.