A portfolio of stocks I've been building since September 3, 2019, named Volio, will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

Today I'm reviewing the first of five financial services sector stocks poised to join my Volio folio this week. One could be my forty-sixth pick for Volio!

That industrials sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

My subject today is a mid-cap US regional bank named, United Bankshares Inc. Its trading ticker is UBSI. This is my first report on United Bankshares Inc for this Volio portfolio.

United Bankshares Inc is a full-service provider of financial services, offering commercial and consumer banking, mortgages, asset management, title insurance, investment banking, financial planning, and brokerage services in West Virginia, Virginia, Maryland, Ohio, Pennsylvania, and the District of Columbia.

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 Bankshares 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 $25.94 yesterday. A year ago their price was $36.99. Price fell $11.05 or just under 30% last year.

Assuming United's stock trades in the range of $20 to $35 this next year, its recent $25.94 price might rise by $2.06 to reach $28.00 by July 13, 2021.

UBSI Dividends

United's most recent declared quarterly dividend was $0.35, paid July 1st. That $0.35 Q dividend equates to $1.40 annually for a yield of 5.4% at yesterday's $25.94 share price.

UBSI Gains?

Adding the $1.40 annual estimated dividend to my $2.06 optimistic estimate of United Bankshares Inc price upside shows a $3.46 potential gross gain, per share, to be reduced by any costs to trade the shares.

If we put little over $1,000.00 today in United Bankshares Inc we would buy 39 shares of UBSI stock.

A $10 broker fee paid half at purchase and half at sale could cost us $0.26 per share.

Subtract that $0.26 brokerage cost from my estimated $3.46 gross gain per share results in a net gain of $3.10 X 39 shares = $120.90 for a 12.05% net gain on a $1,011.66 Investment.

Thus, United Bankshares Inc shows a possible 12.05% net gain including a 5.40% dividend yield. It could be more, it could be less.

The above speculation is based on past performance and supposition. Only time and money invested will tell if United Bankshares Inc is worth it.