United Bankshares, Inc. cash flow to debt ratio of 54.16% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

United Bankshares, Inc.'s free cash flow has increased 11.05% from $433.33M last year to $481.19M, signaling increasing performance

United Bankshares, Inc.'s debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability.

United Bankshares, Inc.'s debt has decreased relative to shareholder equity from 0.16 last year to 0.15 today, signaling strengthened financials

United Bankshares, Inc. has a net cash position, so leverage is healthy.

United Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

United Bankshares, Inc.'s profit margin has increased (24.24%) in the last year from 23.01% to 28.59%, signaling increasing performance

United Bankshares, Inc.'s short-term assets of $5.60B exceed its short-term liabilities of $198.57M

United Bankshares, Inc.'s return on assets of 1.53% is lower than the 5.00% threshold, indicating inefficient asset utilization

United Bankshares, Inc.'s return on equity of 9.39%, is lower than 15.00%, indicating bad performance

United Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

United Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

United Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

United Bankshares, Inc. has a free cash flow yield of 7.27%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

United Bankshares, Inc.'s yearly earnings has increased 24.56% since last year from $373.00M to $464.60M, signaling increasing performance

United Bankshares, Inc.'s yearly revenue has increased 12.33% since last year from $1.62B to $1.82B, signaling increasing performance

ROIC 6.41% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

United Bankshares, Inc.'s 3-year revenue CAGR of 16.70% is positive, indicating growing revenue over the past 3 years

United Bankshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

United Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

United Bankshares, Inc. is undervalued relative to its fair value price of 72.76 based on Discounted Cash Flow model

United Bankshares, Inc. has an earnings yield of 7.68%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

United Bankshares, Inc. is overvalued relative to its fair value price of 41.19 based on EBITDA multiple model

United Bankshares, Inc. has an EV/EBITDA ratio of 3.29x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

United Bankshares, Inc. is undervalued relative to its fair value price of 81.84 based on Earnings Fair Value model

United Bankshares, Inc. has a PEG-ratio over 1 which is considered overvalued

United Bankshares, Inc. has a price-to-book ratio of 1.22x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

United Bankshares, Inc. has a price-to-sales ratio of 3.72x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue