UBSI

  
 
 
United Bankshares, Inc.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 4.6
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 1.4%
Years of Div. Growth ≥ 15: 50

Income Generation

Current Yield 3.9≥ 20-Yrs Treasury Yield 4.4
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs

Sustainability

Debt-To-Equity 0.29 ≤ 0.45 
Last 12Months Cash Payout 0.49 ≤ 0.6 

Profitability

5-Yr Avg. Return-on-Equity 7.9≥ 15%
Last 12Months Return-on-Equity 7.5≥ 15%
Last 12Months Net Profit Margin 26.9≥ 10% 

Fair Value

Average 5-Yrs High Yield 5.6%
Current Price $37.7 ≤ High Yield Price $26.4
Average 5-Yrs Price-to-Earning (P/E) 12.1
Current Price $37.7 ≤ Average P/E Price $31.6
Current Price $37.7 ≤ Fair Value $28.2 

Company Description
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and 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 of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

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