Profitability
Weight: 25%
B+
79
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 48.5%
- Efficiency Ratio Trend +0.03 pp/yr
UBSI
United Bankshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D
38
- 5yr Avg ROE 8.0%
- 5yr Share-Count CAGR 3.3%
Growth Quality
Weight: 15%
B
70
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 9.9%
- Efficiency Ratio Trend (growth quality check) +0.03 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A-
82
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.02
Balance Sheet
Weight: 20%
A+
96
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 16.3%
Stability
Weight: 10%
B+
75
- EPS Volatility (σ/μ) 0.20
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added.
- Holders
- 2 +1
- Avg Δ position
- +438.4%
- New buys
- 0
- Full exits
- 0