Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UBSI
BuyPremium GrowerFLAGUnited Bankshares, Inc. · Financial Services · United States · $6.5B · Avg Vol: $35M/d
United Bankshares has quality Q60 and strong momentum M72 with a buyback on file, but value at V46 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
United Bankshares, Inc. is a bank holding company operating through its subsidiaries, providing a full range of commercial and retail banking services in the Mid-Atlantic and Southeast regions of the United States. Its competitive moat is derived from its strong balance sheet, long-standing customer relationships, and strategic acquisitions that expand its geographic footprint and market share in attractive banking markets.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.0B | 1.0B | 1.0B | 1.2B | 5.9% | 1.3B | 1.3B | 1.3B | 4.1% |
| EPS | 2.84 | 2.81 | 2.72 | 2.76 | 3.28 | 3.7% | 3.67 | 3.61 | 3.78 | 7.4% |
| Shares | — | 134.7M | 134.9M | 135.3M | 139.9M | +3.8% | 136.2M | — | — | — |
| Debt | — | 2.3B | 1.9B | 627.2M | 627.2M | -34.9% | 799.4M | — | — | — |
| Equity | — | 4.5B | 4.8B | 5.0B | 5.5B | 6.8% | — | — | — | — |
| Op CF | — | 760.8M | 435.2M | 445.5M | 498.9M | -13.1% | 555.6M | — | — | — |
| Inv CF | — | -3.4B | 39.0M | 571.5M | -899.3M | — | — | — | — | — |
| Fin CF | — | 105.3M | -51.9M | -323.6M | 650.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UBSI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UBSI | United Bankshares, Inc.(you) | $6.5B | 65 | Buy |
| FNB | F.N.B. Corporation | $6.6B | 62 | Hold |
| AUB | Atlantic Union Bankshares Corporation | $5.8B | 66 | Buy |
| AX | Axos Financial, Inc. | $5.6B | 65 | Hold |
| HWC | Hancock Whitney Corporation | $6.0B | 62 | Hold |
| HOMB | Home BancShares, Inc. | $5.9B | 61 | Hold |
| CBSH | Commerce Bancshares, Inc. | $8.3B | 66 | Buy |
| OZK | Bank OZK | $5.4B | 69 | Buy |
| VLY | Valley National Bancorp | $7.7B | 70 | Buy |
| FULT | Fulton Financial Corporation | $4.5B | 67 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%