United Bankshares Inc (UBSI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
United Bankshares Inc stock (UBSI) is currently trading at $40.85. United Bankshares Inc PE ratio is 12.49. United Bankshares Inc PS ratio (Price-to-Sales) is 4.74. Analyst consensus price target for UBSI is $45.80. WallStSmart rates UBSI as Moderate Buy.
- UBSI PE ratio analysis and historical PE chart
- UBSI PS ratio (Price-to-Sales) history and trend
- UBSI intrinsic value — DCF, Graham Number, EPV models
- UBSI stock price prediction 2025 2026 2027 2028 2029 2030
- UBSI fair value vs current price
- UBSI insider transactions and insider buying
- Is UBSI undervalued or overvalued?
- United Bankshares Inc financial analysis — revenue, earnings, cash flow
- UBSI Piotroski F-Score and Altman Z-Score
- UBSI analyst price target and Smart Rating
United Bankshares Inc
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UBSI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · United Bankshares Inc (UBSI)
UBSI trades at a significant discount to its Graham intrinsic value of $153.04, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
United Bankshares Inc (UBSI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
United Bankshares Inc (UBSI) Key Strengths (7)
Keeps $56 of every $100 in revenue after operating costs
Earnings per share surging 32.00% year-over-year
Keeps $39 of every $100 in revenue as net profit
72.69% of shares held by major funds and institutions
Trading at 1.00x book value, attractively priced
Strong revenue growth at 29.40% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
United Bankshares Inc (UBSI) Areas to Watch (3)
Low profitability relative to shareholder equity
Premium valuation at 4.7x annual revenue
Growth is fairly priced, not cheap, not expensive
United Bankshares Inc (UBSI) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 56.50%, Profit Margin at 38.70%. Growth metrics are encouraging with Revenue Growth at 29.40%, EPS Growth at 32.00%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, PEG Ratio. Some valuation metrics including PEG Ratio (1.95), Price/Sales (4.74) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.86%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.86% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 29.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UBSI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UBSI's Price-to-Sales ratio of 4.74x trades 49% below its historical average of 9.34x (4th percentile). The current valuation is 66% below its historical high of 13.91x set in Dec 2014, and 10% above its historical low of 4.32x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for United Bankshares Inc (UBSI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
United Bankshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.2B with 29% growth year-over-year. Profit margins are strong at 38.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 29% YoY, reaching 1.2B. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 38.7% and operating margin of 56.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can United Bankshares Inc maintain 29%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact United Bankshares Inc.
Bottom Line
United Bankshares Inc offers an attractive blend of growth (29% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About United Bankshares Inc(UBSI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.