Definitive Analysis
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Definitive Analysis

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Company Industry Sector

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Margins Returns Growth Rates Metrics/Ratios

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Company Industry Sector

Ticker

Industry

Sector

United Bankshares, Inc. (UBSI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$79.35 - $243.20$126.57
Multi-Stage$53.65 - $58.56$56.06
Blended Fair Value$91.31
Current Price$37.21
Upside145.40%
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 Rate8.75%8.75%8.75%
Growth Rate5.50%6.50%7.50%
Fair Value$79.35$126.57$243.20
Upside / Downside113.25%240.15%553.58%

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 Rate8.75%8.75%8.75%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)235.55237.78240.01
Year 2 PV (M)262.48267.48272.52
Year 3 PV (M)287.59295.84304.26
Year 4 PV (M)310.96322.92335.22
Year 5 PV (M)332.68348.75365.44
PV of Terminal Value (M)6,126.046,421.936,729.14
Equity Value (M)7,555.307,894.708,246.59
Shares Outstanding (M)140.83140.83140.83
Fair Value$53.65$56.06$58.56
Upside / Downside44.18%50.65%57.37%

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