United Bankshares, Inc.
UNK.F · Financial Services · Banks - Regional · Valued as of 2026-11-04 · Statements 2025-12-31
How Each Value Is Built
The screener's three formulas on the reported figures. Each card reads the same way: the value as a sum of numbered terms, each term's calculation opened under it, from the reported figures to the value. The list ranks companies by their plain average over the market cap.
What it is worth
EPV + Growth
12.08B USD
what the normal year's earnings are worth for ever, plus growth that pays
Profit
5.38B USD
15 years of cash the shareholders can take out, and the equity left at year 15
FCFF
9.01B USD
15 years of cash for shareholders and lenders, less what is owed
Average Intrinsic Value
8.82B USD
The plain average of EPV, Profit and FCFF
Against the price
Market Cap
6.57B USD
the price on the date above times the shares
Intrinsic Value ÷ Market Cap
1.34×
the ratio the screener ranks by
Margin of Safety
+25.6%
1 − Market Cap / Average Intrinsic Value
Projections, not exact values. Intrinsic Values are projected from each company's past reports. They show which stocks look cheap compared with the others, not exactly what a stock is worth.
EPV of the Operations (NOPAT over WACC)
10.32B USD
Net debt today
0 USD
Growth Value
+1.75B USD
Value
12.08B USD
①EPV (Earnings Power Value)
10.32B USD②Net Debt Today
0 USD③Growth Value
1.75B USDMarket value
The price on the date above times the shares.
Value vs market
1 minus the market cap as a share of the value.
①Present Value of the 15 Years of FCFE
3.16B USD②Equity at Year 15, Today
2.21B USDMarket value
The price on the date above times the shares.
Value vs market
1 minus the market cap as a share of the value.
①Present Value of the 15 Years of FCFF
6.78B USD②Invested Capital at Year 15, Today
2.23B USD③Net Debt Today
0 USDMarket value
The price on the date above times the shares.
Value vs market
1 minus the market cap as a share of the value.
The Rates and the Capital the Values Read
The WACC and the cost of equity each value is discounted at, the book value and the net debt each starts from, and the seven quality metrics, from the same run.
The yearly return the shareholders require for the risk they carry; it is the rate that brings their future cash to today.
The tax the interest saves.
The interest the company paid: EBIT is the profit before tax plus the interest.
No interest is read: it needs debt and an EBIT above the profit before tax, the gap between them being the interest. Without it the cost of debt takes the 4% default.
Cost of Debt 4.00% (default): with no debt or no interest read, the 4% default after tax stands for what the lenders are paid a year.
The part of the capital the lenders put in, at market value.
Weighted average cost of capital: the yearly return the shareholders and the lenders together require, weighted by what each puts in; the rate that brings the firm's future cash to today.
Total Assets 33.79B USD − Total Liabilities 28.27B USD = Book Value Today 5.52B USD
Net debt today 0: a bank's debt is the money it lends on, not how the business is financed.
The book value is what Profit starts from and what stands when a projection is not made; the book value plus the net debt is what FCFF starts from; the net debt comes off Greenwald's and FCFF's values before the shareholders.
Market Data
The provider's ratios and the analysts' consensus beside the argument; none of them enters a value.
Share price
43.04 EUR
Enterprise value
4.37B EUR
the provider's own figure
EV / EBITDA
—
Price / book
1.23×
the provider's book
Price / earnings
13.56×
Return on equity
9.5%
the provider's figure, not this page's
Profit margin
41.2%
Revenue growth
6.2%
Analyst target, mean
—
Analysts
—
opinions in the consensus
Financial Statements
The annual lines the screener holds, year by year, in USD at each period's rate; the figures this valuation read are in its calculation above.