UBSIUNITED BANKSHARES INC/WV
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $6.6B
- Employees
- —
- Net debt / EBITDA
- —
- −$1.1B net debt
- AI in 10-K
- 0.6
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo107% of net incomeCash flow under 80% of net income
- Dilutive SBCNo4% of revenueOver 10% of revenue
- Payouts exceed cash flowNo67% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo6% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.6 per 10K words · 24th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$6.6B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$84K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $331M | $312M | — | — | — | |
| Net income | $368M | $380M | $366M | $373M | $465M | 25% |
| Operating cash flow | $610M | $761M | $435M | $445M | $499M | 12% |
| Capex | $15M | $17M | $12M | $12M | $18M | 46% |
| Stock-based comp | $8M | $10M | $12M | $12M | $13M | 7.9% |
| Buybacks | $11M | $79M | $1M | $1M | $127M | 12110% |
| Dividends | $181M | $193M | $195M | $201M | $209M | 4.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $4K · 1
- Open-market sells, 12 mo
- $149K · 1
- Net
- −$144K
Pay vs performance
No pay-versus-performance disclosure yet.