UBSI - United Bankshares Inc-WV Stock Price, Fair Value and News

33.37USD-1.39 (-4.00%)Delayed as of 25 Apr 2024, 11:05 am ET

Market Summary

USD33.37-1.39

Delayedas of 25 Apr 2024, 11:05 am

-4.00%

UBSI Stock Price

View Fullscreen

UBSI RSI Chart

UBSI Valuation

Market Cap

4.7B

Price/Earnings (Trailing)

12.81

Price/Sales (Trailing)

3.35

EV/EBITDA

2.23

Price/Free Cashflow

11.08

UBSI Price/Sales (Trailing)

UBSI Profitability

EBT Margin

33.10%

Return on Equity

7.68%

Return on Assets

1.22%

Free Cashflow Yield

9.03%

UBSI Fundamentals

UBSI Revenue

Revenue (TTM)

1.4B

Rev. Growth (Yr)

19.96%

Rev. Growth (Qtr)

3.44%

UBSI Earnings

Earnings (TTM)

366.3M

Earnings Growth (Yr)

-20.42%

Earnings Growth (Qtr)

-17.44%

Breaking Down UBSI Revenue

52 Week Range

26.4934.78

(Low)(High)

Last 7 days

6.7%

Last 30 days

1.8%

Last 90 days

-5.9%

Trailing 12 Months

6.3%

How does UBSI drawdown profile look like?

UBSI Financial Health

UBSI Investor Care

Dividend Yield

4.17%

Dividend/Share (TTM)

1.45

Shares Dilution (1Y)

0.15%

Diluted EPS (TTM)

2.71

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	1.1B	1.2B	1.3B	1.4B
2022	792.3M	819.8M	889.4M	1.0B
2021	823.6M	825.0M	808.8M	795.1M
2020	753.9M	753.4M	773.3M	798.4M
2019	739.6M	760.9M	766.2M	762.6M
2018	670.2M	693.3M	706.7M	717.7M
2017	482.6M	524.5M	572.9M	623.8M
2016	427.6M	435.1M	452.0M	470.3M
2015	427.9M	428.7M	428.1M	423.6M
2014	325.0M	354.3M	384.5M	418.5M
2013	318.4M	312.8M	308.2M	306.2M
2012	324.5M	333.1M	329.8M	323.9M
2011	313.1M	303.4M	308.2M	316.5M
2010	355.2M	344.9M	334.4M	323.4M
2009	0	408.6M	387.2M	365.8M
2008	0	0	0	429.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of United Bankshares Inc-WV

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 24, 2024	adams richard m jr	sold (taxes)	-76,584	34.42	-2,225	chief executive officer
Feb 24, 2024	mildren charles j.	sold (taxes)	-5,644	34.42	-164	executive vice president
Feb 24, 2024	humphrey matthew l	sold (taxes)	-16,280	34.42	-473	executive vice president
Feb 24, 2024	schultheis anna j	sold (taxes)	-2,960	34.42	-86.00	executive vice president
Feb 24, 2024	gurtis julie r	sold (taxes)	-4,336	34.42	-126	executive vice president
Feb 24, 2024	shaver ami l	sold (taxes)	-3,579	34.42	-104	executive vice president
Feb 24, 2024	consagra james j jr	sold (taxes)	-76,584	34.42	-2,225	chief operating officer
Feb 24, 2024	kayes henry m jr	sold (taxes)	-5,644	34.42	-164	evp
Feb 24, 2024	proctor michael	sold (taxes)	-2,684	34.42	-78.00	executive vice president
Feb 24, 2024	ernest douglas bryan	sold (taxes)	-37,896	34.42	-1,101	executive vice-president

Which funds bought or sold UBSI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	FIFTH THIRD BANCORP	added	5.53	215	36,864	-%
Apr 23, 2024	Louisiana State Employees Retirement System	added	2.11	-38,072	1,385,070	0.03%
Apr 23, 2024	NEW MEXICO EDUCATIONAL RETIREMENT BOARD	unchanged	-	-48,000	981,000	0.04%
Apr 23, 2024	Global Retirement Partners, LLC	unchanged	-	275	89,428	-%
Apr 23, 2024	Accurate Wealth Management, LLC	reduced	-2.76	-20,217	200,885	0.06%
Apr 23, 2024	WESBANCO BANK INC	added	11.5	260,607	4,416,420	0.17%
Apr 23, 2024	AMALGAMATED BANK	reduced	-9.53	-402,000	2,519,000	0.02%
Apr 23, 2024	Canal Capital Management, LLC	added	0.07	-13,943	288,068	0.05%
Apr 22, 2024	Accordant Advisory Group Inc	new	-	239,793	239,793	0.18%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	reduced	-3.4	-317,038	3,680,950	-%

Are Funds Buying or Selling UBSI?

Are funds buying UBSI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UBSI

No. of Funds

Unveiling United Bankshares Inc-WV's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	10.53%	14,202,951	SC 13G/A
Feb 12, 2024	state street corp	6.05%	8,170,075	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	5.4%	7,291,004	SC 13G/A
Jan 24, 2024	state street corp	6.28%	8,473,995	SC 13G/A
Jan 22, 2024	blackrock inc.	14.8%	19,971,599	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	5.4%	7,205,109	SC 13G
Feb 09, 2023	vanguard group inc	10.41%	14,016,115	SC 13G/A
Feb 07, 2023	state street corp	10.58%	14,243,920	SC 13G/A
Jan 23, 2023	blackrock inc.	14.7%	19,774,245	SC 13G/A
Jun 09, 2022	vanguard group inc	10.01%	13,544,798	SC 13G/A

Recent SEC filings of United Bankshares Inc-WV

View All Filings

Date Filed	Form Type	Document
Apr 05, 2024	4	Insider Trading
Apr 02, 2024	ARS	ARS
Apr 02, 2024	DEF 14A	DEF 14A
Apr 02, 2024	DEFA14A	DEFA14A
Feb 29, 2024	10-K	Annual Report
Feb 27, 2024	4	Insider Trading
Feb 27, 2024	4	Insider Trading
Feb 27, 2024	4	Insider Trading
Feb 27, 2024	4	Insider Trading
Feb 27, 2024	4	Insider Trading

Peers (Alternatives to United Bankshares Inc-WV)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.1B	171.1B	-0.89%	40.25%	11.22	3.25	60.72%	31.52%
BAC	301.8B	130.3B	3.99%	32.91%	11.38	2.32	79.51%	-3.68%
WFC	216.8B	85.7B	6.82%	49.45%	11.33	2.53	41.49%	39.96%
C	119.4B	133.3B	2.49%	30.42%	12.94	0.9	79.09%	-
CFG	16.3B	10.2B	0.65%	23.03%	10.13	1.6	44.53%	-22.43%
KEY	13.9B	7.9B	-1.71%	42.46%	14.42	1.76	46.47%	-49.56%
MID-CAP
CMA	7.0B	4.2B	1.67%	30.02%	7.96	1.68	56.25%	-23.46%
ZION	6.2B	3.9B	2.80%	57.76%	9.19	1.58	45.91%	-25.03%
ABCB	3.3B	1.3B	2.99%	50.41%	12.38	2.6	43.24%	-22.35%
ASB	3.2B	2.0B	3.49%	25.83%	17.62	1.65	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	414.5M	164.9M	-2.10%	42.66%	35.44	2.51	42.66%	-70.76%
AROW	380.2M	162.6M	-5.51%	7.64%	12.64	2.34	25.39%	-38.37%
ACNB	289.0M	96.6M	-4.81%	8.26%	9.12	2.99	11.02%	-11.37%
ASRV	47.3M	60.9M	2.22%	-5.80%	-14.14	0.78	24.06%	-144.92%

United Bankshares Inc-WV News

Latest updates

United Bankshares Inc-WV Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.4%	369	357	346	329	308	264	228	203	195	194	200	206	209	210	199	180	184	190	199	189	188
EBITDA Margin	-7.2%	0.99*	1.06*	1.14*	1.25*	1.35*	1.41*	1.44*	1.46*	1.49*	1.50*	1.50*	1.41*	-	-	-	-	-	-	-	-	-
Interest Expenses	0.5%	230	228	227	234	249	241	215	192	184	182	187	191	192	186	171	142	141	142	151	144	147
Income Taxes	0.1%	25.00	25.00	23.00	24.00	27.00	26.00	24.00	20.00	19.00	24.00	24.00	28.00	21.00	29.00	11.00	10.00	12.00	17.00	18.00	17.00	16.00
Earnings Before Taxes	-13.8%	104	121	116	123	126	129	119	102	93.00	116	119	134	113	133	64.00	50.00	76.00	83.00	85.00	81.00	80.00
EBT Margin	-8.7%	0.33*	0.36*	0.40*	0.44*	0.47*	0.50*	0.52*	0.54*	0.58*	0.60*	0.61*	0.54*	-	-	-	-	-	-	-	-	-
Net Income	-17.4%	79.00	96.00	92.00	98.00	100	103	96.00	82.00	74.00	92.00	95.00	107	92.00	104	53.00	40.00	63.00	66.00	67.00	64.00	64.00
Net Income Margin	-9.4%	0.26*	0.29*	0.32*	0.35*	0.38*	0.40*	0.42*	0.43*	0.46*	0.48*	0.48*	0.43*	-	-	-	-	-	-	-	-	-
Free Cashflow	81.5%	159	88.00	62.00	115	132	128	204	280	52.00	196	268	78.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	2.4%	29,926	29,225	29,695	30,182	29,489	29,048	28,778	29,366	29,329	27,508	27,191	27,031	26,184	25,931	26,235	5,006	20,371	19,662	19,751	19,883	19,645
Cash Equivalents	35.0%	1,599	1,184	1,692	1,919	1,177	1,356	1,658	2,803	3,758	4,034	3,677	2,963	2,209	-	-	-	-	837	-	-	-
Net PPE	-0.6%	191	192	194	196	199	199	198	200	197	172	171	174	176	180	181	-	96.00	97.00	95.00	95.00	95.00
Goodwill	0%	1,889	1,889	1,889	1,889	1,889	1,889	1,889	1,889	1,886	1,810	1,810	1,804	1,797	1,795	1,795	332	1,478	1,478	1,478	1,478	1,478
Liabilities	2.4%	25,155	24,576	25,058	25,576	24,973	24,608	24,291	24,770	24,610	23,077	22,797	22,698	21,887	21,664	22,037	-	17,027	16,298	16,397	16,549	16,358
Shareholder's Equity	2.6%	4,771	4,649	4,637	4,607	4,516	4,440	4,487	4,595	4,719	4,431	4,394	4,333	4,298	4,267	4,198	-	3,344	3,364	3,354	3,334	3,287
Retained Earnings	1.7%	1,746	1,716	1,669	1,625	1,575	1,524	1,470	1,423	1,391	1,363	1,317	1,267	1,205	1,158	1,100	-	1,093	1,133	1,105	1,073	1,041
Additional Paid-In Capital	0.1%	3,182	3,179	3,175	3,172	3,169	3,164	3,160	3,156	3,150	2,904	2,902	2,899	2,894	2,892	2,890	-	2,141	2,140	2,138	2,137	2,136
Shares Outstanding	-0.1%	135	135	135	134	135	134	135	136	129	129	129	129	-	-	-	-	-	-	-	-	-
Float	-	-	-	3,838	-	-	-	4,522	-	-	-	4,519	-	-	-	3,434	-	-	-	-	3,583	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	81.5%	163	90.00	65.00	118	137	134	206	284	56.00	201	271	81.00	186	-117	51.00	21.00	61.00	59.00	-61.46	93.00	75.00
Cashflow From Investing	-266.9%	-249	-68.03	265	91.00	-629	-740	-774	-1,303	-233	-44.39	333	-38.98	162	133	-34.95	-122	-96.47	-109	-1.43	-175	-280
Cashflow From Financing	194.7%	502	-529	-556	532	312	305	-576	65.00	-98.02	199	110	712	205	-421	710	600	-103	-227	144	235	-28.78
Dividend Payments	0.0%	49.00	49.00	49.00	49.00	49.00	49.00	49.00	47.00	45.00	45.00	45.00	45.00	45.00	45.00	36.00	36.00	35.00	35.00	35.00	35.00	35.00
Buy Backs	-100.0%	-	0.00	0.00	1.00	0.00	0.00	53.00	26.00	0.00	-	-	11.00	21.00	-	-	1.00	1.00	16.00	6.00	12.00	49.00

UBSI Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income
Interest and fees on loans and leases	$ 1,203,186	$ 864,583	$ 724,493
Interest on federal funds sold and other short-term investments	47,069	22,950	8,734
Interest and dividends on securities:
Taxable	144,420	105,780	54,678
Tax-exempt	6,645	8,677	7,212
Total interest income	1,401,320	1,001,990	795,117
Interest expense
Interest on deposits	391,094	80,237	41,620
Interest on short-term borrowings	6,449	1,785	693
Interest on long-term borrowings	83,853	23,537	10,070
Total interest expense	481,396	105,559	52,383
Net interest income	919,924	896,431	742,734
Provision for credit losses	31,153	18,822	(23,970)
Net interest income after provision for credit losses	888,771	877,609	766,704
Other income
Income from bank-owned life insurance	8,330	9,188	6,840
Mortgage loan servicing income	13,746	9,235	9,605
Net investment securities (losses) gains	(7,646)	776	2,676
Other income	11,056	7,340	8,040
Total other income	135,258	153,261	278,128
Other expense
Employee compensation	230,809	242,408	279,970
Employee benefits	48,368	45,944	53,871
Net occupancy expense	46,426	45,129	42,034
Other real estate owned ("OREO") expense	1,355	2,138	5,370
Net (gains) losses on the sales of OREO properties	(60)	700	54
Equipment expense	29,731	29,320	25,979
Data processing expense	29,395	29,997	31,446
Mortgage loan servicing expense and impairment	5,596	7,099	12,246
Bankcard processing expense	2,192	1,938	1,706
FDIC insurance expense	30,376	11,988	8,346
FHLB prepayment penalties	0	0	15
Other expense	136,036	138,426	120,942
Total other expense	560,224	555,087	581,979
Income before income taxes	463,805	475,783	462,853
Income taxes	97,492	96,156	95,115
Net income	$ 366,313	$ 379,627	$ 367,738
Earnings per common share:
Basic	$ 2.72	$ 2.81	$ 2.84
Diluted	2.71	2.8	2.83
Dividends per common share	$ 1.45	$ 1.44	$ 1.41
Average outstanding shares:
Basic	134,505,058	134,776,241	129,276,452
Diluted	134,753,820	135,117,512	129,512,853
Fees from trust services [Member]
Other income
Revenue from contract	$ 18,318	$ 17,216	$ 16,552
Fees from brokerage services [Member]
Other income
Revenue from contract	16,911	16,412	15,559
Fees from deposit services [Member]
Other income
Revenue from contract	37,076	40,557	38,689
Bankcard fees and merchant discounts [Member]
Other income
Revenue from contract	7,013	6,580	5,485
Other service charges, commissions, and fees [Member]
Other income
Revenue from contract	3,861	3,267	2,990
Income from mortgage banking activities [Member]
Other income
Revenue from contract	$ 26,593	$ 42,690	$ 171,692

UBSI Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 257,153	$ 294,155
Interest-bearing deposits with other banks	1,340,620	881,418
Federal funds sold	1,170	1,079
Total cash and cash equivalents	1,598,943	1,176,652
Securities available for sale at estimated fair value (amortized cost-$4,149,895 at December 31, 2023 and $5,011,729 at December 31, 2022, allowance for credit losses of $0 at December 31, 2023 and December 31, 2022)	3,786,377	4,541,925
Securities held to maturity, net of allowance for credit losses of $17 at December 31, 2023 and $18 at December 31, 2022 (estimated fair value-$1,020 at December 31, 2023 and December 31, 2022)	1,003	1,002
Equity securities at estimated fair value	8,945	7,629
Other investment securities	329,429	322,048
Loans held for sale measured using fair value option	56,261	56,879
Loans and leases	21,373,185	20,580,163
Less: Unearned income	(14,101)	(21,997)
Loans and leases, net of unearned income	21,359,084	20,558,166
Less: Allowance for loan and lease losses	(259,237)	(234,746)
Net loans and leases	21,099,847	20,323,420
Bank premises and equipment	190,520	199,161
Operating lease right-of-use assets	86,986	71,144
Goodwill	1,888,889	1,888,889
Mortgage servicing rights	4,554	21,022
Bank-owned life insurance ("BOLI")	486,895	480,184
Accrued interest receivable	111,420	94,890
Other assets	276,413	304,535
TOTAL ASSETS	29,926,482	29,489,380
Deposits:
Noninterest-bearing	6,149,080	7,199,678
Interest-bearing	16,670,239	15,103,488
Total deposits	22,819,319	22,303,166
Borrowings:
Securities sold under agreements to repurchase	196,095	160,698
Federal Home Loan Bank ("FHLB") borrowings	1,510,487	1,910,775
Other long-term borrowings	278,616	286,881
Reserve for lending-related commitments	44,706	46,189
Operating lease liabilities	92,885	75,749
Accrued expenses and other liabilities	213,134	189,729
TOTAL LIABILITIES	25,155,242	24,973,187
Shareholders' Equity
Preferred stock, $1.00 par value; Authorized-50,000,000 shares, none issued	0	0
Common stock, $2.50 par value; Authorized-200,000,000 shares; issued-142,257,646 and 142,011,560 at December 31, 2023 and December 31, 2022, respectively, including 7,308,583 and 7,266,438 shares in treasury at December 31, 2023 and December 31, 2022, respectively	355,644	355,029
Surplus	3,181,764	3,168,874
Retained earnings	1,745,619	1,575,426
Accumulated other comprehensive loss	(259,681)	(332,732)
Treasury stock, at cost	(252,106)	(250,404)
TOTAL SHAREHOLDERS' EQUITY	4,771,240	4,516,193
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 29,926,482	$ 29,489,380

About United Bankshares Inc-WV

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

CEO	Mr. Richard Matthew Adams Jr., M.D.
WEBSITE	ubsi-inc.com
INDUSTRY	Banks Diversified
EMPLOYEES	2799

United Bankshares Inc-WV Frequently Asked Questions

What is the ticker symbol for United Bankshares Inc-WV? What does UBSI stand for in stocks?

UBSI is the stock ticker symbol of United Bankshares Inc-WV. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of United Bankshares Inc-WV (UBSI)?

As of Wed Apr 24 2024, market cap of United Bankshares Inc-WV is 4.69 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UBSI stock?

You can check UBSI's fair value in chart for subscribers.

What is the fair value of UBSI stock?

You can check UBSI's fair value in chart for subscribers. The fair value of United Bankshares Inc-WV is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of United Bankshares Inc-WV is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UBSI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is United Bankshares Inc-WV a good stock to buy?

The fair value guage provides a quick view whether UBSI is over valued or under valued. Whether United Bankshares Inc-WV is cheap or expensive depends on the assumptions which impact United Bankshares Inc-WV's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UBSI.

What is United Bankshares Inc-WV's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Apr 24 2024, UBSI's PE ratio (Price to Earnings) is 12.81 and Price to Sales (PS) ratio is 3.35. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UBSI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on United Bankshares Inc-WV's stock?

In the past 10 years, United Bankshares Inc-WV has provided 0.048 (multiply by 100 for percentage) rate of return.