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Upturn AI SWOT - About
United Bankshares Inc (UBSI)
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Upturn Advisory Summary
04/01/2025: UBSI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 6.97% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.93B USD | Price to earnings Ratio 12.52 | 1Y Target Price 41.42 |
Price to earnings Ratio 12.52 | 1Y Target Price 41.42 | ||
Volume (30-day avg) 950479 | Beta 1.01 | 52 Weeks Range 29.42 - 43.55 | Updated Date 04/1/2025 |
52 Weeks Range 29.42 - 43.55 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.27% | Basic EPS (TTM) 2.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.95% | Operating Margin (TTM) 48.97% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 7.64% |
Valuation
Trailing PE 12.52 | Forward PE 13.55 | Enterprise Value 3464212480 | Price to Sales(TTM) 4.88 |
Enterprise Value 3464212480 | Price to Sales(TTM) 4.88 | ||
Enterprise Value to Revenue 5.43 | Enterprise Value to EBITDA - | Shares Outstanding 143212000 | Shares Floating 139749702 |
Shares Outstanding 143212000 | Shares Floating 139749702 | ||
Percent Insiders 1.98 | Percent Institutions 70.94 |
Analyst Ratings
Rating 3.2 | Target Price 42.8 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 4 | 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 in Parkersburg, West Virginia. It has grown through acquisitions and organic expansion to become a major regional bank holding company in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including commercial loans, deposit accounts, and cash management services.
- Retail Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the Chairman, CEO, CFO, and other key executives. The organizational structure is typical of a bank holding company, with various divisions responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, like expansion, working capital, etc. Market share within its operating region is estimated to be around 5-8%. Competitors include Truist Financial, PNC Financial Services, and smaller regional banks.
- Mortgages: Residential mortgage loans for home purchases and refinancing. Market share within its operating region is estimated to be around 3-5%. Competitors include Wells Fargo, Bank of America, and other regional and national mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific number of users data is readily available. Competitors include Truist Financial, PNC Financial Services, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory changes. The industry is also experiencing consolidation, with larger banks acquiring smaller institutions.
Positioning
United Bankshares Inc. is positioned as a strong regional bank with a focus on community banking and relationship management. It has a reputation for stability and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. United Bankshares Inc. is positioned to capture a share of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid financial performance
- Customer-focused approach
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to national banks
- Vulnerable to interest rate fluctuations
- Exposure to regional economic downturns
- Heavier reliance on traditional banking methods
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Increasing interest rates
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Decreasing interest rates
Competitors and Market Share
Key Competitors
- PNC
- BBT
- KEY
Competitive Landscape
United Bankshares Inc. competes with larger national banks and smaller regional banks. Its competitive advantage lies in its strong regional presence and customer-focused approach. Disadvantages include limited geographic reach and lower capital compared to national players.
Major Acquisitions
Community Bankshares Inc.
- Year: 2022
- Acquisition Price (USD millions): 303
- Strategic Rationale: Expansion of market share in West Virginia and Virginia. It allows United Bankshares Inc to offer a more compelling product to its clients and increase their customer base
Growth Trajectory and Initiatives
Historical Growth: United Bankshares Inc. has experienced steady growth over the past decade, driven by acquisitions and organic expansion.
Future Projections: Analysts project moderate growth for United Bankshares Inc. in the coming years, supported by continued expansion and improved efficiency. EPS growth is expected to be in the range of 5-7% annually.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technologies, expansion into new markets, and cost-cutting measures.
Summary
United Bankshares Inc. is a stable regional bank with a long history and a strong presence in the Mid-Atlantic region. It is well-managed and financially sound, but faces increasing competition from larger banks and fintech companies. Its strong customer relationships and regional expertise are key strengths, while its limited geographic reach and vulnerability to economic downturns are potential weaknesses. Looking ahead, digital transformation is key.
Similar Companies
CFG
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CFG
Citizens Financial Group, Inc.
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- SEC Edgar Database
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Future performance is not guaranteed.
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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