Fair value (multi-method)
Four independent methods triangulate what UBSI is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$86.75
Method range
$28.06 – $86.75
median $46.06
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $86.75 | +97.62% |
| Exit multiple | $45.45 | +3.54% |
| Analyst target | $46.67 | +6.31% |
| Graham number | $28.06 | -36.08% |
- Forward DCF$86.75
- Exit multiple$45.45
- Analyst target$46.67
- Graham number$28.06
Stock price
$43.90
FCF / share (TTM)
$1.12
3Y FCF CAGR
-7.1%
Fair value @ hist. growth
$9.59
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
12.7%
per year over your projection horizon
Margin of safety -358.0% vs hist-growth DCF
Historical 3Y CAGR
-7.1%
Your model implies
12.7%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -7% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 6.3% | 9.1% | 8.0% | 6.9% | 5.6% | 4.0% |
| 7.3% | 11.8% | 10.9% | 10.0% | 9.0% | 7.8% |
| 8.3% | 14.2% | 13.5% | 12.7% | 11.9% | 11.0% |
| 9.3% | 16.5% | 15.9% | 15.2% | 14.5% | 13.7% |
| 10.3% | 18.6% | 18.0% | 17.5% | 16.8% | 16.2% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net cash
$1.6B
Total debt − cash
Beta
0.74
Vs market benchmark
Frequently asked questions
United Bankshares (UBSI) Key Financials
Charts, filings, and peer comparison for every metric
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