UNITED BANKSHARES INC/WV (UBSI)
State Commercial Banks · Financial Services · $6.3B
Intrinsic Value (Consensus)
$77.41
Current Price
$45.05
Margin of Safety
+71.8%
71.8% Below Intrinsic Value
Value: $77
Price: $45
Valuation Model Estimates
Current Price: $45.05
DCF (Discounted Cash Flow)
$159.10
Graham Number
$53.40
Earnings Power Value
$31.75
Relative Value (P/E)
$65.40
Dividend Discount Model
$206.67
Consensus Value
$77.41
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $3.27
- EPS (Forward)
- $3.92
- Book Value
- $38.75
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.5%
- Debt/Equity
- 10%
- Revenue Growth
- -5.7%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.9%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance