United Bankshares Stock Intrinsic Value – United Bankshares Reports Disappointing Earnings Despite Revenue Growth
April 27, 2023
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United Bankshares ($NASDAQ:UBSI) (UBS) recently released its quarterly earnings report, revealing a disappointing set of results. Similarly, the GAAP EPS of $0.73 fell short of analysts’ estimates of $0.74. United Bankshares is a financial services company based in the United States.
Market Price
United Bankshares reported disappointing earnings on Wednesday despite revenue growth. The stock opened at $32.0 and closed at $31.2, down by 4.6% from the previous closing price of 32.7. This marks a significant decrease in the company’s stock price despite revenue growth that had been seen throughout the quarter. Investors were left disappointed as the earnings fell short of expectations. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for United Bankshares. More…
| Total Revenues | Net Income | Net Margin |
| – | 379.63 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for United Bankshares. More…
| Operations | Investing | Financing |
| 760.82 | -3.45k | 105.32 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for United Bankshares. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 29.49k | 24.97k | – |
Key Ratios Snapshot
Some of the financial key ratios for United Bankshares are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 12.7% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – United Bankshares Stock Intrinsic Value
At GoodWhale, we have conducted an analysis of UNITED BANKSHARES‘s fundamentals. Our proprietary Valuation Line has calculated that the fair value of the UNITED BANKSHARES share is around $35.3. Currently, UNITED BANKSHARES stock is traded at a fair price of $31.2, undervalued by 11.5%. This presents a great opportunity for investors to buy a quality company at a discounted price. More…
Peers
In the banking industry, United Bankshares Inc faces stiff competition from the likes of Southern Bancshares NC Inc, Waterstone Financial Inc, and Burke & Herbert Bank & Trust Co. All of these companies are vying for a share of the market, and each has its own strengths and weaknesses. United Bankshares Inc has to be careful to stay ahead of the competition in order to maintain its market share.
– Southern Bancshares NC Inc ($OTCPK:SBNC)
Waterstone Financial Inc is a publicly traded company with a market capitalization of 378.35 million as of 2022. The company is a provider of banking and financial services to consumers and businesses in the United States. Waterstone Financial Inc offers a full range of deposit and loan products, as well as online and mobile banking services. The company has approximately 1,200 employees and operates more than 100 branches in Wisconsin, Illinois, and Minnesota.
– Waterstone Financial Inc ($NASDAQ:WSBF)
Burke & Herbert Bank & Trust Co is a regional bank headquartered in Alexandria, Virginia. The company has a market cap of 330 million as of 2022. The company operates more than 30 branches in Virginia and Maryland. Burke & Herbert Bank & Trust Co offers a full range of banking and trust services to individuals and businesses.
Summary
This caused a drop in their stock price the same day the earnings were reported. Investors should consider whether or not the underperformance in this quarter is an anomaly or a trend that will persist in the future when considering investing in United Bankshares.
