📊 UBSI Key Takeaways
Is United Bankshares Inc./Wv (UBSI) a Good Investment?
Despite strong 53% revenue growth and 37.5% operating margins, UBSI exhibits critical financial stress: interest coverage of 1.1x is dangerously low for a bank, leaving minimal buffer for operational disruptions or rate changes. The massive disconnect between revenue growth (+53%) and net income growth (+0.2%) signals severe operational headwinds, while ROE of 2.3% and ROA of 0.4% are unacceptably weak for banking sector standards.
United Bankshares Inc./Wv Key Strengths (UBSI)
- Solid operating margin of 37.5% demonstrates strong underlying business performance
- Robust free cash flow generation at $156M with 37.5% FCF margin
- Conservative debt/equity ratio of 0.10x provides balance sheet stability
UBSI Stock Risks: United Bankshares Inc./Wv Investment Risks
- Critical interest coverage ratio of 1.1x indicates overleveraged position with insufficient earnings cushion for interest obligations or rate shocks
- Return on equity of 2.3% and return on assets of 0.4% severely underperform banking sector norms, suggesting asset quality issues or operational inefficiency
- Revenue-to-net income disconnect (53% growth vs 0.2% growth) reveals significant margin compression at the bottom line despite strong operational performance
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 2.5x minimum for banking sector health
- Net interest margin (NIM) - critical to understand yield compression
- Loan loss provisions and asset quality - to identify credit deterioration drivers
United Bankshares Inc./Wv (UBSI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 37.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UBSI Profit Margin, ROE & Profitability Analysis
UBSI vs Finance Sector: How United Bankshares Inc./Wv Compares
How United Bankshares Inc./Wv compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is United Bankshares Inc./Wv Stock Overvalued? UBSI Valuation Analysis 2026
Based on fundamental analysis, United Bankshares Inc./Wv has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
United Bankshares Inc./Wv Balance Sheet: UBSI Debt, Cash & Liquidity
UBSI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: United Bankshares Inc./Wv's revenue has grown significantly by 20% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.71 reflects profitable operations.
UBSI Revenue Growth, EPS Growth & YoY Performance
United Bankshares Inc./Wv Dividends, Buybacks & Capital Allocation
UBSI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for United Bankshares Inc./Wv (CIK: 0000729986)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UBSI
What is the AI rating for UBSI?
United Bankshares Inc./Wv (UBSI) has an AI grade of C with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UBSI's key strengths?
Claude: Solid operating margin of 37.5% demonstrates strong underlying business performance. Robust free cash flow generation at $156M with 37.5% FCF margin.
What are the risks of investing in UBSI?
Claude: Critical interest coverage ratio of 1.1x indicates overleveraged position with insufficient earnings cushion for interest obligations or rate shocks. Return on equity of 2.3% and return on assets of 0.4% severely underperform banking sector norms, suggesting asset quality issues or operational inefficiency.
What is UBSI's revenue and growth?
United Bankshares Inc./Wv reported revenue of $415.9M.
Does UBSI pay dividends?
United Bankshares Inc./Wv pays dividends, with $53.4M distributed to shareholders in the trailing twelve months.
Where can I find UBSI SEC filings?
Official SEC filings for United Bankshares Inc./Wv (CIK: 0000729986) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UBSI's EPS?
United Bankshares Inc./Wv has a diluted EPS of $0.89.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UBSI's fundamental grade?
Based on our AI fundamental analysis in June 2026, United Bankshares Inc./Wv has a C grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UBSI stock overvalued or undervalued?
Valuation metrics for UBSI: ROE of 2.3% (sector avg: 12%), net margin of 29.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UBSI's AI grade for 2026?
Our dual AI analysis gives United Bankshares Inc./Wv a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UBSI's free cash flow?
United Bankshares Inc./Wv's operating cash flow is $160.9M, with capital expenditures of $4.8M. FCF margin is 37.5%.
How does UBSI compare to other Finance stocks?
Vs Finance sector averages: Net margin 29.9% (avg: 25%), ROE 2.3% (avg: 12%), current ratio N/A (avg: 1.2).