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Upturn AI SWOT - About
United Bankshares Inc (UBSI)
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Upturn Advisory Summary
07/01/2025: UBSI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $39.33
1 Year Target Price $39.33
| 0 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.58% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.34B USD | Price to earnings Ratio 13.91 | 1Y Target Price 39.33 |
Price to earnings Ratio 13.91 | 1Y Target Price 39.33 | ||
Volume (30-day avg) 6 | Beta 0.79 | 52 Weeks Range 30.19 - 43.11 | Updated Date 07/1/2025 |
52 Weeks Range 30.19 - 43.11 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 4.06% | Basic EPS (TTM) 2.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.28% | Operating Margin (TTM) 47.66% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 7.32% |
Valuation
Trailing PE 13.91 | Forward PE 13.55 | Enterprise Value 3370062336 | Price to Sales(TTM) 5.23 |
Enterprise Value 3370062336 | Price to Sales(TTM) 5.23 | ||
Enterprise Value to Revenue 5.46 | Enterprise Value to EBITDA - | Shares Outstanding 142060000 | Shares Floating 138040622 |
Shares Outstanding 142060000 | Shares Floating 138040622 | ||
Percent Insiders 2.09 | Percent Institutions 71.24 |
Analyst Ratings
Rating 2 | Target Price 39.33 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
United Bankshares Inc
Company Overview
History and Background
United Bankshares, Inc. was founded in 1839 as the Northwestern Bank of Virginia. It has grown through organic expansion and acquisitions, becoming one of the Mid-Atlantic region's premier banking companies.
Core Business Areas
- Commercial Banking: Provides a range of commercial loans, deposit services, and cash management solutions to businesses of various sizes.
- Retail Banking: Offers traditional retail banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Richard M. Adams serves as the Executive Chairman. The company operates under a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial lending products including term loans, lines of credit, and real estate financing. Competitors include Truist, PNC, and local regional banks. Market share not definitively available, but estimates place UBSC as a regional leader.
- Mortgages: Provides mortgage loan products for residential properties. Competitors include national mortgage lenders such as Wells Fargo and Bank of America and regional banks such as PNC. Market share not definitively available, but estimates place UBSC as a regional player.
- Deposit Accounts: Provides checking, savings, and money market deposit accounts. Competitors include Chase, Bank of America, and other regional and community banks. Market share not definitively available, but UBSCu2019s deposit base is significant in its operating footprint.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies, regulatory changes, and fluctuating interest rates. The industry is consolidated but community and regional banks are prominent.
Positioning
United Bankshares Inc. is positioned as a strong regional bank with a focus on community relationships and personalized service. Its competitive advantages include its long-standing presence, strong local brand, and experienced management team.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. UBSC holds a significant regional position, but has not yet acquired a large national presence.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Sound financial performance
- Customer loyalty
Weaknesses
- Limited national presence
- Dependence on regional economy
- Cybersecurity risks
- Higher expenses relative to larger banks.
Opportunities
- Expansion into new markets through acquisition
- Growth in wealth management services
- Increased adoption of digital banking
- Cross selling of various bank products
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- Truist
- FCNCA
Competitive Landscape
United Bankshares competes with larger national banks and other regional banks. Its advantages include its community focus and personalized service. Disadvantages include its limited national presence and economies of scale.
Major Acquisitions
Community Bankshares Inc.
- Year: 2022
- Acquisition Price (USD millions): 303
- Strategic Rationale: Expanded market presence in West Virginia and Kentucky.
Growth Trajectory and Initiatives
Historical Growth: United Bankshares has demonstrated steady growth through acquisitions and organic expansion.
Future Projections: Future growth is expected to be driven by continued expansion in existing markets and strategic acquisitions. Analyst estimates vary depending on economic conditions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets through acquisition.
Summary
United Bankshares Inc. is a stable and profitable regional bank with a long history and strong community ties. It faces increasing competition from larger banks and fintech companies but is well-positioned to capitalize on growth opportunities. Continued focus on strategic acquisitions and digital innovation will be important for future success. Cybersecurity risk management needs to be at the forefront.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Yahoo Finance
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share and other figures are estimates and may not be precise. Investment decisions should be based on independent research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Bankshares Inc
Exchange NASDAQ | Headquaters Charleston, WV, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Richard Matthew Adams Jr., M.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2553 | Website https://www.ubsi-inc.com |
Full time employees 2553 | Website https://www.ubsi-inc.com | ||
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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