United Bankshares, Inc. (UBSI)
合理估值基本面
64
价格
$46.01
市值
$6.26B
第一部分 · 这家公司值多少
概览
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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资产负债表与流动性
营收
$1.24B
截至2025/12/31的财政年度
净利润
$465M
截至2025/12/31的财政年度
自由现金流
$481M
股东权益合计
$5.50B
负债合计
$28.16B
流动比率
-
利息覆盖率
0.53
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$44.13
当前价格
$46.01
安全边际
-4.3%
公允价值区间
$38.69 - $49.58
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
12.52
ROE
8.5%
市净率（P/B）
1.14
P/FCF
11.72
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
9.0%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（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%
不可用（6）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在发行新股，稀释所有权
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 |
审计风险
3
董事会风险
8
薪酬风险
1
股东权利风险
2
第二部分 · 价格与买入时机
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损益历史
via SEC EDGAR
Latest News
Recent headlines for UBSI, sourced from Markets Gazette.