UBSI Valuation

United Bankshares Inc

Add to Watchlist

Advanced Chart

38.050

+0.04(0.105%)1D

Overview
Forecast
Valuation
Earnings

UBSI Relative Valuation

UBSI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UBSI is overvalued; if below, it's undervalued.

Historical Valuation

United Bankshares Inc (UBSI) is now in the Undervalued zone, suggesting that its current forward PE ratio of 11.71 is considered Undervalued compared with the five-year average of 13.19. The fair price of United Bankshares Inc (UBSI) is between 39.66 to 46.72 according to relative valuation methord. Compared to the current price of 38.01 USD , United Bankshares Inc is Undervalued By 4.17%.

Relative Value

Fair Zone

39.66-46.72

Current Price：38.01

4.17%

Undervalued

11.71

Trailing

Forward

0.00

EV/EBITDA

United Bankshares Inc. (UBSI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

United Bankshares Inc. (UBSI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

4.33

United Bankshares Inc. (UBSI) has a current PS of 4.33. The 5-year average PS is 4.47. The thresholds are as follows: Strongly Undervalued below 3.53, Undervalued between 3.53 and 4.00, Fairly Valued between 4.94 and 4.00, Overvalued between 4.94 and 5.41, and Strongly Overvalued above 5.41. The current Forward PS of 4.33 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

United Bankshares Inc. (UBSI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

United Bankshares Inc. (UBSI) has a current P/FCF of 0.00. The 5-year average P/FCF is 3.57. The thresholds are as follows: Strongly Undervalued below -13.60, Undervalued between -13.60 and -5.02, Fairly Valued between 12.15 and -5.02, Overvalued between 12.15 and 20.74, and Strongly Overvalued above 20.74. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

United Bankshares Inc (UBSI) has a current Price-to-Book (P/B) ratio of 1.00. Compared to its 3-year average P/B ratio of 1.01 , the current P/B ratio is approximately -0.32% higher. Relative to its 5-year average P/B ratio of 1.02, the current P/B ratio is about -1.56% higher. United Bankshares Inc (UBSI) has a Forward Free Cash Flow (FCF) yield of approximately 8.43%. Compared to its 3-year average FCF yield of 9.83%, the current FCF yield is approximately -14.23% lower. Relative to its 5-year average FCF yield of 9.44% , the current FCF yield is about -10.65% lower.

1.00

P/B

Median3y

1.01

Median5y

1.02

8.50

FCF Yield

Median3y

9.83

Median5y

9.44

Competitors Valuation Multiple

The average P/S ratio for UBSI's competitors is 3.68, providing a benchmark for relative valuation. United Bankshares Inc Corp (UBSI) exhibits a P/S ratio of 4.33, which is 17.84% above the industry average. Given its robust revenue growth of 22.06%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

UBSI.O

United Bankshares Inc

Columbia Banking System Inc

Atlantic Union Bankshares Corp

Performance Decomposition

Market capitalization of UBSI increased by 5.59% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 236.12M to 288.22M.

The secondary factor is the Margin Expansion, contributed 2.47%to the performance.

Overall, the performance of UBSI in the past 1 year is driven by Revenue Growth. Which is more sustainable.

22.06%

236.12M → 288.22M

Revenue Growth

2.47%

40.87 → 41.88

Margin Expansion

-18.94%

16.51 → 13.38

P/E Change

5.59%