United Bankshares, Inc. — Earnings Quality Grade B
UBSI · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 32 days, change -4 days YoY
AR growth 6.7% vs revenue growth 20.0%
Revenue 20.0%, CFFO 12.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 46.1% is >2x revenue growth 20.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.07. Profits backed by cash
FCF $0.5B, FCF/NI = 1.04
Accruals ratio = -0.1%. Low accruals
Cash $2.5B covers debt $0.6B
Balance Sheet Health
Goodwill+Intangibles $2.0B = 37% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 7% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor UBSI continuously
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Altman Z-Score — Not Applicable
United Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25