The portfolio of stocks I started building on September 8, at a one stock per week pace for the next year, is named Vista.  I will select its ninth stock this coming weekend. Vista is the sixth portfolio I've built (at a one dividend dog per-week pace) since 2014. Six portfolios = VI for Vista!

Vista is planned to Look Ahead for Outstanding, Proven, Dividend Winners. (Like Aristocrats)

Today we'll review the fifth of five financial services sector stock candidates vying to be that ninth selection and first financial member of the Vista portfolio.

My subject today is a mid-cap West Virginia Regional Bank, named United Bankhares Inc. Its trading ticker symbol is UBSI.  This is my first report on United Bankhares Inc for this Vista portfolio but I reported on it for Volio my fifth portfolio in July.

United Bankshares is a financial holding company that provides banking services. 

The company operates in two segments: first, community banking, which accepts deposits, makes loans (for a personal, credit card, commercial, and construction uses), provides brokerage services, safe deposit boxes, and related services; and second, mortgage banking, which offers and acquires home mortgages through an indirectly owned subsidiary.

 Nearly all revenue comes from the community banking segment. Specifically, the company operates 138 full-service offices, which consists of 51 offices in West Virginia; 82 offices in the Shenandoah Valley region of Virginia and the Northern Virginia, Maryland, and Washington, D.C. metropolitan areas; 4 offices in southwestern Pennsylvania; and 1 office in southeastern Ohio. 

United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

I use three key data points to gauge dividend equities or funds like United Bankhares Inc:

(1) Price

(2) Dividends

(3) Returns

Those three basic keys best tell whether a company has made, is making, and will make money. 

UBSI Price

United's price per share closed at $26.80 yesterday. A year ago its price was $40.10. Price fell $13.30 or about 34.4% last year.

If United's stock trades in the range of $20 to $33 this next year, its recent $26.80 price might rise by $3.20 to reach $30.00 by November 6, 2021. 

UBSI Dividends

United's most recently declared quarterly dividend was $0.35 paid on October 1st. Dividends are estimated to total $1.40 per share annually and yield 5.22% at yesterday's $26.80 closing price.

UBSI Gains?

Adding the $1.40 annual anticipated dividend to my $3.20 optimistic estimate of United's price upside shows a $4.60 potential gross gain, per share, to be reduced by any costs to trade the shares.  

Put little under $1,000.00 today in United Bankhares Inc at $26.80 and we would buy 37 shares of UBSI stock.

A $10 broker fee (if any) paid half at purchase and half at sale could cost us about $0.27 per share.

Subtract that $0.27 brokerage cost from my estimated $4.60 gross gain per share results in a net gain of $4.33 X 37 shares = $160.21 for a 16.02% net gain on a $991.60 investment.

So it goes that United Bankhares Inc shows a possible 16.02% net gain including a 5.22% dividend yield. It could be more, it could be less.     

All of the estimates above are speculation based on the past history of United Bankhares Inc. Only time and money invested in this stock will determine its worth.