United Bankshares Inc. is known by the ticker symbol UBSI and is listed in the financial services sector as a regional bank. This is my first report on United Bankshares Inc. for selection to my new Viital portfolio. However I previously reported on UBSI in November 2020, and August 4, 2021, for Vista, my Sixth dog of the week portfolio.

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

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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. 

Second, mortgage banking, which offers and acquires home mortgages through an indirectly owned subsidiary.

Nearly all revenue comes from the community banking segment. 

As of January 28, 2021, the company operated 230 offices in West Virginia, Virginia, Ohio, Pennsylvania, Maryland, North Carolina, South Carolina, Georgia, and Washington, D.C. 

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

Three key data points gauge dividend equities or funds like United Bankshares, Inc. (UBSI):

(1) Price

(2) Dividends

(3) Returns

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

UBSI Price

United Bankshares' price per share was $36.85 as of yesterday's market close. One year ago its price was $23.50 So UBSI's share price increased almost 57% in the past year.

If UBSI stock trades in the range of $24.00 to $44.00 this next year, its recent $36.85 price might rise by $3.15 to reach $40.00 by October 5, 2022. My estimate is $0.70 under the median of annual price upside calculated by 5 brokerage analysts covering the stock.

UBSI Dividends

United Bankshares' most recent regular quarterly dividend payout of  $0.35 was paid out Friday, October 1 to shareholders of record on September 9th. That quarterly payout of $0.35 equates to $1.40 and yields 3.80% based on yesterday's $36.85 closing price. United Bankshares Inc has paid annually increasing dividends for forty-six years. 

UBSI Returns

Adding the $1.40 annual UBSI forward-looking dividend to my $3.15 price upside estimate shows a $4.55 potential gross gain, per share, to be reduced by any costs to trade UBSI shares.  

At yesterday's $36.85 price per share, a little under $1000 would buy 27 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at sale and might cost us  $0.37 per share.

Subtract that maybe $0.37 brokerage cost from my estimated $4.55 gross gain per share results in a net gain of $4.18 X 27 shares = $112.86 for an 11.29% net gain on a $994.95 investment.

So it is that United Bankshares Inc. (UBSI) shows a possible 11.29% net gain including a 3.80% forward estimated dividend yield. 

Over the next year at this time, a $1000 investment in United Bankshares Inc. (UBSI)  could generate $38.00 in cash dividends alone. And a single share bought at yesterday's closing price was $36.85! Thus, UBSI's share price is $1.15 less than the dividend income from $1K invested. So, according to my dogcatcher ideal, now is the time to pick up UBSI shares. The dividend from $1k invested is $1.15 greater than the single share price. Consider yourself alerted. 

All of the estimates above are speculation based on the past history of United Bankshares Inc. (UBSI). Only time and money invested in this stock will determine its market value.