United Bankshares Stock Buy Hold or Sell Recommendation
| UBSI Stock | USD 37.77 0.56 1.46% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding United Bankshares is 'Cautious Hold'. The recommendation algorithm takes into account all of United Bankshares' available fundamental, technical, and predictive indicators you will find on this site.
Check out United Bankshares Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in United Stock please use our How to Invest in United Bankshares guide. In addition, we conduct extensive research on individual companies such as United and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards United Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
United |
Execute United Bankshares Buy or Sell Advice
The United recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on United Bankshares. Macroaxis does not own or have any residual interests in United Bankshares or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute United Bankshares' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Insignificant | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
United Bankshares Trading Alerts and Improvement Suggestions
| About 72.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from prnewswire.com: United Bancorporation of Alabama, Inc. Announces Semiannual Dividend |
United Bankshares Returns Distribution Density
The distribution of United Bankshares' historical returns is an attempt to chart the uncertainty of United Bankshares' future price movements. The chart of the probability distribution of United Bankshares daily returns describes the distribution of returns around its average expected value. We use United Bankshares price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of United Bankshares returns is essential to provide solid investment advice for United Bankshares.
| Mean Return | 0.06 | Value At Risk | -2.91 | Potential Upside | 2.99 | Standard Deviation | 2.22 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of United Bankshares historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
United Stock Institutional Investors
| Shares | Fuller & Thaler Asset Management Inc | 2024-09-30 | 1.5 M | Bank Of New York Mellon Corp | 2024-09-30 | 1.4 M | Bank Of America Corp | 2024-09-30 | 1.3 M | Fisher Asset Management, Llc | 2024-09-30 | 1.2 M | Norges Bank | 2024-06-30 | 1.2 M | Proshare Advisors Llc | 2024-09-30 | 1.1 M | Goldman Sachs Group Inc | 2024-09-30 | 1 M | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 890.1 K | Nuveen Asset Management, Llc | 2024-09-30 | 879.3 K | Blackrock Inc | 2024-06-30 | 19.3 M | Vanguard Group Inc | 2024-09-30 | 14.2 M |
United Bankshares Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (182.9M) | 1.4B | 1.5B | (2.6B) | 422.3M | 443.4M | |
| Free Cash Flow | 136.6M | 121.4M | 594.2M | 744.0M | 397.1M | 416.9M | |
| Depreciation | (20.5M) | (16.4M) | 7.9M | 23.7M | 23.1M | 24.3M | |
| Other Non Cash Items | (110.2M) | (176.7M) | 190.6M | 309.9M | 11.1M | 21.2M | |
| Dividends Paid | 138.9M | 162.7M | 181.3M | 193.0M | 194.7M | 204.5M | |
| Capital Expenditures | 11.1M | 19.0M | 15.4M | 16.9M | 11.7M | 6.0M | |
| Net Income | 260.1M | 289.0M | 367.7M | 379.6M | 366.3M | 384.6M | |
| End Period Cash Flow | 837.5M | 2.2B | 3.8B | 1.2B | 1.6B | 1.7B | |
| Investments | (251.3M) | (359.6M) | 104.0M | (3.4B) | (340.4M) | (357.4M) | |
| Change Receivables | 2.5M | 1.1M | 2.6M | (30.4M) | (27.3M) | (26.0M) | |
| Net Borrowings | 363.3M | (1.6B) | (138.0M) | 1.4B | 1.6B | 1.7B | |
| Change To Netincome | (107.5M) | (170.9M) | 201.8M | 322.3M | 370.7M | 389.2M |
United Bankshares Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to United Bankshares or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that United Bankshares' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a United stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.05 | |
β | Beta against Dow Jones | -0.04 | |
σ | Overall volatility | 2.27 | |
Ir | Information ratio | 0 |
United Bankshares Volatility Alert
United Bankshares has relatively low volatility with skewness of 2.73 and kurtosis of 16.47. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure United Bankshares' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact United Bankshares' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.United Bankshares Fundamentals Vs Peers
Comparing United Bankshares' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze United Bankshares' direct or indirect competition across all of the common fundamentals between United Bankshares and the related equities. This way, we can detect undervalued stocks with similar characteristics as United Bankshares or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of United Bankshares' fundamental indicators could also be used in its relative valuation, which is a method of valuing United Bankshares by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare United Bankshares to competition |
| Fundamentals | United Bankshares | Peer Average |
| Return On Equity | 0.0745 | -0.31 |
| Return On Asset | 0.0121 | -0.14 |
| Profit Margin | 0.35 % | (1.27) % |
| Operating Margin | 0.49 % | (5.51) % |
| Current Valuation | 4.03 B | 16.62 B |
| Shares Outstanding | 135.22 M | 571.82 M |
| Shares Owned By Insiders | 2.02 % | 10.09 % |
| Shares Owned By Institutions | 72.16 % | 39.21 % |
| Number Of Shares Shorted | 2.82 M | 4.71 M |
| Price To Earning | 15.42 X | 28.72 X |
| Price To Book | 1.04 X | 9.51 X |
| Price To Sales | 5.14 X | 11.42 X |
| Revenue | 1.02 B | 9.43 B |
| Gross Profit | 1.03 B | 27.38 B |
| EBITDA | 459.34 M | 3.9 B |
| Net Income | 366.31 M | 570.98 M |
| Cash And Equivalents | 1.72 B | 2.7 B |
| Cash Per Share | 12.82 X | 5.01 X |
| Total Debt | 1.88 B | 5.32 B |
| Debt To Equity | 0.13 % | 48.70 % |
| Book Value Per Share | 36.83 X | 1.93 K |
| Cash Flow From Operations | 408.74 M | 971.22 M |
| Short Ratio | 4.05 X | 4.00 X |
| Earnings Per Share | 2.65 X | 3.12 X |
| Price To Earnings To Growth | 1.92 X | 4.89 X |
| Target Price | 42.8 | |
| Number Of Employees | 2.65 K | 18.84 K |
| Beta | 1.01 | -0.15 |
| Market Capitalization | 5.2 B | 19.03 B |
| Total Asset | 29.93 B | 29.47 B |
| Retained Earnings | 1.75 B | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 4.04 % |
Note: Disposition of 480 shares by Nesselroad Mark R of United Bankshares subject to Rule 16b-3 [view details]
United Bankshares Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as United . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About United Bankshares Buy or Sell Advice
When is the right time to buy or sell United Bankshares? Buying financial instruments such as United Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out United Bankshares Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in United Stock please use our How to Invest in United Bankshares guide.You can also try the Pair Correlation module to compare performance and examine fundamental relationship between any two equity instruments.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of United Bankshares. If investors know United will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about United Bankshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.01) | Dividend Share 1.48 | Earnings Share 2.65 | Revenue Per Share 7.498 | Quarterly Revenue Growth (0) |
The market value of United Bankshares is measured differently than its book value, which is the value of United that is recorded on the company's balance sheet. Investors also form their own opinion of United Bankshares' value that differs from its market value or its book value, called intrinsic value, which is United Bankshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because United Bankshares' market value can be influenced by many factors that don't directly affect United Bankshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between United Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if United Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, United Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.