United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $5.13 billion. The enterprise value is $4.03 billion.

Market Cap	5.13B
Enterprise Value	4.03B

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, before market open.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Dec 13, 2024

Share Statistics

UBSI has 134.90 million shares outstanding. The number of shares has increased by 0.25% in one year.

Current Share Class	134.90M
Shares Outstanding	134.90M
Shares Change (YoY)	+0.25%
Shares Change (QoQ)	+0.14%
Owned by Insiders (%)	2.28%
Owned by Institutions (%)	71.62%
Float	131.77M

Valuation Ratios

The trailing PE ratio is 14.34 and the forward PE ratio is 13.88.

PE Ratio	14.34
Forward PE	13.88
PS Ratio	5.07
Forward PS	4.45
PB Ratio	1.03
P/TBV Ratio	1.66
P/FCF Ratio	11.16
P/OCF Ratio	10.87
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.27
EV / Sales	3.98
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.77

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.77
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.44%.

Return on Equity (ROE)	7.44%
Return on Assets (ROA)	1.21%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$383,630
Profits Per Employee	$135,547
Employee Count	2,635
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBSI has paid $89.75 million in taxes.

Income Tax	89.75M
Effective Tax Rate	20.04%

Stock Price Statistics

The stock price has increased by +0.45% in the last 52 weeks. The beta is 1.04, so UBSI's price volatility has been similar to the market average.

Beta (5Y)	1.04
52-Week Price Change	+0.45%
50-Day Moving Average	40.08
200-Day Moving Average	36.12
Relative Strength Index (RSI)	33.31
Average Volume (20 Days)	575,359

Short Selling Information

The latest short interest is 2.37 million, so 1.75% of the outstanding shares have been sold short.

Short Interest	2.37M
Short Previous Month	2.41M
Short % of Shares Out	1.75%
Short % of Float	1.79%
Short Ratio (days to cover)	4.05

Income Statement

In the last 12 months, UBSI had revenue of $1.01 billion and earned $357.17 million in profits. Earnings per share was $2.65.

Revenue	1.01B
Gross Profit	1.01B
Operating Income	480.70M
Pretax Income	448.74M
Net Income	357.17M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.65

Full Income Statement

Balance Sheet

The company has $1.91 billion in cash and $810.54 million in debt, giving a net cash position of $1.10 billion or $8.15 per share.

Cash & Cash Equivalents	1.91B
Total Debt	810.54M
Net Cash	1.10B
Net Cash Per Share	$8.15
Equity (Book Value)	4.97B
Book Value Per Share	36.82
Working Capital	-22.42B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $471.75 million and capital expenditures -$12.54 million, giving a free cash flow of $459.21 million.

Operating Cash Flow	471.75M
Capital Expenditures	-12.54M
Free Cash Flow	459.21M
FCF Per Share	$3.40

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	47.55%
Pretax Margin	44.29%
Profit Margin	35.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	45.43%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.90%.

Dividend Per Share	$1.48
Dividend Yield	3.90%
Dividend Growth (YoY)	2.07%
Years of Dividend Growth	26
Payout Ratio	55.87%
Buyback Yield	-0.25%
Shareholder Yield	3.65%
Earnings Yield	6.97%
FCF Yield	8.96%

Dividend Details

Analyst Forecast

The average price target for UBSI is $40.25, which is 5.92% higher than the current price. The consensus rating is "Hold".

Price Target	$40.25
Price Target Difference	5.92%
Analyst Consensus	Hold
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on March 30, 1998. It was a forward split with a ratio of 2:1.

Last Split Date	Mar 30, 1998
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4