Stock UBSI UNITED BANKSHARES, INC.
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Financials United Bankshares, Inc.

Equities

UBSI

US9099071071

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
33.35 USD -0.03% Intraday chart for United Bankshares, Inc. -2.40% -11.19%
Apr. 25 United Bankshares Shares Fall 4% After Lower Q1 Earnings, Revenue MT
Apr. 25 Earnings Flash (UBSI) UNITED BANKSHARES Reports Q1 EPS $0.64 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 3,916 4,193 4,932 5,437 5,054 4,498 -
Enterprise Value (EV) 1 3,916 4,193 4,932 5,437 5,054 4,498 4,498
P/E ratio 15.2 x 13.5 x 12.8 x 14.5 x 13.9 x 12.8 x 12.3 x
Yield 3.54% 4.32% 3.89% 3.56% 3.86% 4.45% 4.53%
Capitalization / Revenue 5.35 x 4.01 x 4.83 x 5.18 x 4.79 x 4.34 x 4.11 x
EV / Revenue 5.35 x 4.01 x 4.83 x 5.18 x 4.79 x 4.34 x 4.11 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.17 x 0.97 x 1.05 x 1.21 x 1.06 x 0.91 x 0.87 x
Nbr of stocks (in thousands) 101,283 129,422 135,939 134,285 134,598 134,859 -
Reference price 2 38.66 32.40 36.28 40.49 37.55 33.35 33.35
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 732.1 1,045 1,021 1,050 1,055 1,036 1,094
EBITDA - - - - - - -
EBIT 1 354.6 529.4 443.1 494.6 495 493.1 524.4
Operating Margin 48.43% 50.68% 43.41% 47.12% 46.91% 47.62% 47.92%
Earnings before Tax (EBT) 1 324.4 359.7 462.9 475.8 463.8 453.2 457.3
Net income 1 260.1 289 367.7 379.6 366.3 352.9 366.1
Net margin 35.53% 27.67% 36.02% 36.17% 34.72% 34.08% 33.45%
EPS 2 2.550 2.400 2.830 2.800 2.710 2.615 2.705
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.370 1.400 1.410 1.440 1.450 1.485 1.512
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 250.2 237.7 237.5 258.5 274.5 280.3 268.2 263.8 263 263.4 254.7 256.4 261.6 261.9 261.6
EBITDA - - - - - - - - - - - - - - -
EBIT 1 109 86.98 99.46 118.4 136.2 142.7 131.2 135.8 127.9 111.1 114 122.8 126.6 125.7 122.1
Operating Margin 43.56% 36.59% 41.87% 45.82% 49.61% 50.93% 48.91% 51.49% 48.65% 42.18% 44.74% 47.9% 48.39% 47.99% 46.68%
Earnings before Tax (EBT) 1 115.8 93.34 101.8 119.1 128.5 126.4 122.8 115.9 120.9 104.2 108.2 109.8 112.6 113 108.4
Net income 1 92.15 73.85 81.66 95.61 102.6 99.76 98.31 92.46 96.16 79.39 86.81 87.2 88.55 90.38 86.1
Net margin 36.83% 31.07% 34.38% 36.99% 37.37% 35.59% 36.65% 35.05% 36.56% 30.14% 34.08% 34.01% 33.84% 34.51% 32.92%
EPS 2 0.7100 0.5600 0.6000 0.7100 0.7600 0.7400 0.7300 0.6800 0.7100 0.5900 0.6400 0.6433 0.6600 0.6650 0.6383
Dividend per Share 2 0.3500 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3700 0.3733 0.3733 0.3733 0.3750 0.3767
Announcement Date 10/26/21 1/27/22 4/26/22 7/28/22 10/27/22 1/26/23 4/26/23 7/27/23 10/25/23 1/26/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.8% 7.3% 8.3% 8.25% 7.87% 7.29% 7.24%
ROA (Net income/ Total Assets) 1.34% 1.2% 1.35% 1.31% 1.25% 1.19% 1.21%
Assets 1 19,410 24,085 27,240 28,979 29,305 29,655 30,256
Book Value Per Share 2 33.10 33.30 34.60 33.50 35.40 36.50 38.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/29/20 1/28/21 1/27/22 1/26/23 1/26/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for United Bankshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
6
Last Close Price
33.35 USD
Average target price
37 USD
Spread / Average Target
+10.94%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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