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United Bankshares, Inc. (UBSI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$79.49 - $244.34$126.90
Multi-Stage$53.71 - $58.62$56.12
Blended Fair Value$91.51
Current Price$37.21
Upside145.93%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS7.64%9.30%1.431.381.371.291.160.991.010.860.680.63
YoY Growth--3.08%0.87%6.49%11.41%17.11%-2.40%17.30%25.95%8.43%7.72%
Dividend Yield--4.11%3.93%3.89%3.69%2.99%4.27%2.74%2.44%1.62%1.72%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)430.18
(-) Cash Dividends Paid (M)206.71
(=) Cash Retained (M)223.47
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)86.0453.7732.26
Cash Retained (M)223.47223.47223.47
(-) Cash Required (M)-86.04-53.77-32.26
(=) Excess Retained (M)137.43169.70191.21
(/) Shares Outstanding (M)140.83140.83140.83
(=) Excess Retained per Share0.981.201.36
LTM Dividend per Share1.471.471.47
(+) Excess Retained per Share0.981.201.36
(=) Adjusted Dividend2.442.672.83
WACC / Discount Rate8.74%8.74%8.74%
Growth Rate5.50%6.50%7.50%
Fair Value$79.49$126.90$244.34
Upside / Downside113.64%241.04%556.64%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)430.18458.14487.92519.64553.42589.39607.07
Payout Ratio48.05%56.44%64.83%73.22%81.61%90.00%92.50%
Projected Dividends (M)206.71258.58316.33380.48451.65530.45561.54

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.74%8.74%8.74%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)235.56237.79240.03
Year 2 PV (M)262.51267.51272.55
Year 3 PV (M)287.63295.89304.30
Year 4 PV (M)311.03322.99335.29
Year 5 PV (M)332.77348.85365.53
PV of Terminal Value (M)6,133.896,430.166,737.76
Equity Value (M)7,563.397,903.188,255.48
Shares Outstanding (M)140.83140.83140.83
Fair Value$53.71$56.12$58.62
Upside / Downside44.33%50.82%57.54%

High-Yield Dividend Screener

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