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United Bankshares, Inc. (UBSI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

United Bankshares, Inc.

UBSIMarket cap $6.26BPrice $46.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a regional banking network across the Mid-Atlantic and Southeast, offering commercial and retail banking to communities often overlooked by the giants. It's grown mostly through smart acquisitions, not flashy expansion, making it one of the steadiest super-community banks around.

In Bastion Portfolios?

52W Return+33%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+5%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%3

Earnings Forecast

EPS Growth Y+1+15%7

EPS Growth Y+2+2%4

EPS Growth Y+3+0%4

Quality

Margins

EBIT Margin0%4

Net Income Margin41%10

Free Cash Flow Margin43%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE9%4

ROA2%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)126

P/BV1.19

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.3%8

Momentum

Short term

1 month return-3%6

3 month return+1%7

YTD return+23%8

Mid term

Price vs 52wHigh94%9

1 year return+29%8

Long term

3 year return+87%7

5 year return+52%6

Risk Shield

Price Risk

Beta0.76

Volatility22%9

Free Cash Flow

Free Cash Flow Margin43%10

Free Cash Flow Yield0.0%8

Quality

ROCE11%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

UBSIUnited Bankshares

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+15%7

EPS growth, FY27E+2%4

EPS growth, FY28E+0%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG77 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return+1%7

YTD return+23%8

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+29%8

3-year return+87%7

5-year return+52%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +87% over three years and +52% over five, ahead of 60% of the market.

It's up 29% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+1%) and so far this year (+23%).

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on United Bankshares. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

UBSIUnited Bankshares

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+15%7

EPS growth, FY27E+2%4

EPS growth, FY28E+0%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG77 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return+1%7

YTD return+23%8

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+29%8

3-year return+87%7

5-year return+52%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +87% over three years and +52% over five, ahead of 60% of the market.

It's up 29% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+1%) and so far this year (+23%).

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on United Bankshares. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community