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Upturn AI SWOT - About
United Bankshares Inc (UBSI)
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Upturn Advisory Summary
08/14/2025: UBSI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40.17
1 Year Target Price $40.17
| 0 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.59% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.23B USD | Price to earnings Ratio 12.99 | 1Y Target Price 40.17 |
Price to earnings Ratio 12.99 | 1Y Target Price 40.17 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 30.19 - 43.11 | Updated Date 08/15/2025 |
52 Weeks Range 30.19 - 43.11 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.92% | Basic EPS (TTM) 2.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.78 | Actual 0.85 |
Profitability
Profit Margin 36.85% | Operating Margin (TTM) 54.27% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 7.72% |
Valuation
Trailing PE 12.99 | Forward PE 13.55 | Enterprise Value 3824832768 | Price to Sales(TTM) 4.88 |
Enterprise Value 3824832768 | Price to Sales(TTM) 4.88 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 141647008 | Shares Floating 137630613 |
Shares Outstanding 141647008 | Shares Floating 137630613 | ||
Percent Insiders 2.1 | Percent Institutions 73.29 |
Upturn AI SWOT
United Bankshares Inc
Company Overview
History and Background
United Bankshares, Inc. (UBSI) was founded in 1839 as Northwestern Bank of Virginia, later renamed Parkersburg National Bank. It evolved through mergers and acquisitions to become United Bankshares, Inc., a financial holding company.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgage loans, auto loans, and credit cards.
- Wealth Management: Offers investment management, trust, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
Richard M. Adams is the Chairman and CEO. The organizational structure consists of executive management, regional presidents, and various department heads overseeing different business functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not publicly available at a granular level. Competitors include Truist Financial (TFC), PNC Financial Services (PNC), and M&T Bank Corporation (MTB).
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data is not publicly available at a granular level. Competitors include Wells Fargo (WFC), Bank of America (BAC), and JPMorgan Chase (JPM).
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data is not publicly available at a granular level. Competitors include Truist Financial (TFC), PNC Financial Services (PNC), and M&T Bank Corporation (MTB).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory scrutiny, and increasing competition from fintech companies. There is also increased M&A activity.
Positioning
United Bankshares Inc. is a regional bank holding company. Its competitive advantage lies in its strong local presence and customer relationships. It faces competition from larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services is significant. UBSI is positioned to capture a portion of this TAM by focusing on regional markets and providing personalized service.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid credit quality
- History of successful acquisitions
Weaknesses
- Limited geographic diversification
- Dependence on interest income
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased fee income through wealth management
- Technological advancements in banking
- Further acquisitions to enhance market share
Threats
- Economic downturn
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- TFC
- MTB
Competitive Landscape
UBSI faces competition from larger national banks with greater resources and smaller community banks with stronger local ties. Its strategy focuses on providing personalized service and building strong customer relationships.
Major Acquisitions
Community Bankshares Inc
- Year: 2022
- Acquisition Price (USD millions): 228
- Strategic Rationale: Expanded UBSI's presence in West Virginia and Kentucky.
Growth Trajectory and Initiatives
Historical Growth: UBSI has grown through organic growth and acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion, increased fee income, and efficiency improvements.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and acquisitions of smaller banks.
Summary
United Bankshares is a regional bank with a strong local presence and a history of growth through acquisitions. The company's strength lies in its experienced management and solid credit quality. However, it faces challenges from larger national banks and the threat of rising interest rates. UBSI needs to focus on expanding its geographic reach and improving its technological capabilities to maintain its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data may be delayed.
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 2760 | Website https://www.ubsi-inc.com |
Full time employees 2760 | 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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