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Intrinsic value of United Bankshares, Inc. (UBSI)

Previous Close$38.40
Intrinsic Value
Upside potential
Previous Close
$38.40
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh17.22 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

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, and interest-bearing checking accounts. It also offers personal, commercial, floor plan, and student loans; construction and real estate loans; and consumer loans, including credit card and home equity loans. In addition, the company provides safe deposit boxes, wire transfers, and other banking products and services; investment, security, and trust services; services to correspondent banks, including check clearing, safekeeping, and 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. The company operates 138 full-service offices, which consists of 51 offices in West Virginia; 82 offices in the Shenandoah Valley region of Virginia and the Northern Virginia, Maryland, and Washington, D.C. metropolitan areas; 4 offices in southwestern Pennsylvania; and 1 office in southeastern Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-19.2NaN
Revenue, $815NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m352NaN
Operating income, $m463NaN
EBITDA, $m486NaN
Interest expense (income), $mNaN
Earnings before tax, $m462NaN
Tax expense, $m95NaN
Net income, $m367NaN

BALANCE SHEET

Cash and short-term investments, $m3758NaN
Total assets, $m29374NaN
Adjusted assets (=assets-cash), $m25616NaN
Average production assets, $m2130NaN
Working capital, $m-1540NaN
Total debt, $m1033NaN
Total liabilities, $m24655NaN
Total equity, $m4719NaN
Debt-to-equity ratio0.219NaN
Adjusted equity ratio0.064NaN

CASH FLOW

Net income, $m367NaN
Depreciation, amort., depletion, $m23NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m234NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-14NaN
Free cash flow, $m248NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-1540
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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