Profitability
Weight: 25%
C
56
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.2%
- Operating Margin Trend -3.54 pp/yr
UBSI
United Bankshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
59
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.3%
- 5yr Share-Count CAGR 2.1%
Growth Quality
Weight: 10%
A-
80
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 11.8%
- 5yr EPS CAGR 3.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
98
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.42x
Balance Sheet
Weight: 30%
B
72
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 16.3%
- Interest Coverage (EBIT/Int) 1.01x
Stability
Weight: 10%
A-
82
- EPS Volatility (σ/μ) 0.20
- Piotroski F-Score 9
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 added; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- +120.8%
- New buys
- 0
- Full exits
- 1