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United Bankshares Inc is known by the trading ticker symbol, UBSI. It is included in the Financial Services sector as a  is a  Regional Bank. This is my second report on United for my Vista stock Portfolio. I last reported on this bank on November 6, 2020.

United Bankshares Inc 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; second, mortgage banking, which offers and acquires home mortgages through an indirectly owned subsidiary. 

Nearly all revenue comes from the community banking segment. The bank offers services in West Virginia, Virginia, Maryland, Ohio, Pennsylvania, and the District of Columbia.

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:

(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 Inc's price per share was $34.37 as of yesterday's market close. One year ago its price was $26.47. So UBSI's share price has increased about 30% in the past year. 

If United Bankshares stock trades in the range of $20 to $42 this next year, its recent $34.26 price might rise by $5.63 to reach $40.00 by August 3, 2022. That estimate is $0.50 under the median of one-year price targets from six analysts covering UBSI for brokerages. 

UBSI Dividends

United's most recent regular quarterly dividend payout of  $0.35 was paid July 1 and projects an annual payout of $1.40 per share to yield 4.07% based on yesterday's $34.37 closing price. UBSI has paid quarterly dividends increasing annually for 46 years.

UBSI Returns

Adding the $1.40 annual United Bankshares forward-looking dividend to my $5.63 price upside estimate shows a $7.03 potential gross gain, per share, to be reduced by any costs to trade United Bankshares.  

At yesterday's $34.37 price per share, a little under $1000 would buy 29 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at sale and might cost us $0.34 per share.

Subtract that maybe $0.34 brokerage cost from my estimated $7.03 gross gain per share results in a net gain of $6.69 X 29 shares = $194.01 for a 19.4% net gain on a $996.73 investment.

So it is that United Bankshares Inc shows a possible 19.4% net gain including a 4.07% forward estimated dividend yield. 

Over the next year at this time, a $1000 investment in United Bankshares could generate $40.70 in cash dividends alone. And a single share bought at yesterday's closing price was $34.37! Thus, UBSI share price is now about 84% of the dividend income from $1K invested. So, according to my dividend dogcatcher ideal, this is a good time to pick up United Bankshares shares because the dividend from $1k invested exceeds the single share price by nearly 16%. Consider yourself alerted.    

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