United Bankshares, Inc.
UBSIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, United Bankshares, Inc. focuses on Banks - Regional services and products. United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The $5.98B market capitalization puts UBSI squarely in mid-cap range for its industry. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.
Market Cap
$5.98B
Beta
0.74
P/E (TTM)
12.16
P/E (Fwd)
11.44
EPS (TTM)
$3.57
EPS (Fwd)
$3.79
ROE
9.3%
ROA
1.5%
Cash
$2.31B
Total Debt
$792.3M
Free CF
—
52W Change
21.1%
Annual Financials
Cash vs Debt
With $2.31B in cash and $792.3M in debt, UBSI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 9.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $1.04B to $1.24B.
With cash comfortably exceeding debt, UBSI has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for United Bankshares, Inc. and its sector.