Stock AnalizUnited Bankshares Inc UBSI
Major Banks · data as of November 13, 2026
United Bankshares Inc (UBSI) is a financial company listed in the US with a market value of about $6.5B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $513M, a net margin of 40.0%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is shareholder returns (4/5); the weakest is track record (1/5).
Key numbers: a P/E of 13.0, a price to free cash flow of 11.8, 5-year revenue growth of 3% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 44% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.2B | $1.0B | $1.1B | $1.0B | $1.0B | $1.0B | $728M | $717M | $681M | $495M |
| Net income | $513M | $465M | $373M | $366M | $380M | $368M | $289M | $260M | $256M | $151M | $147M |
| Free cash flow | $550M | $481M | $433M | $424M | $744M | $594M | $121M | $141M | $288M | $240M | $163M |
| EPS (diluted) | $3.69 | $3.27 | $2.75 | $2.71 | $2.80 | $2.83 | $2.40 | $2.55 | $2.45 | $1.54 | $1.99 |
| Net margin | 40.0% | 37.5% | 36.0% | 34.7% | 36.2% | 36.0% | 27.7% | 35.7% | 35.7% | 22.1% | 29.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $51.67, 7% above the current price; targets range from $49.00 to $54.00; the consensus rating is “none”; expected EPS is $3.71 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is United Bankshares’s P/E ratio?
About 13.0, based on the last twelve months of diluted earnings per share (forward P/E about 12.3).
Is United Bankshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 44% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does United Bankshares pay a dividend?
Yes. The dividend yield is about 3.15%, and it has paid dividends for 10 years in our data.
Is United Bankshares a good stock to buy?
We do not give buy or sell advice. United Bankshares scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.