Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/d084b201-8f76-4761-a8f8-3bbc4be53ca4/
UBSI
United Bankshares IncSnapshot 2026-07-12 · 0.7w · Fresh
Strategy Eligibility
13 of 23 passing
★
OS Composite
OS 0.950
↗
Trending Value
✗
◆
Quality × Value
QV 0.855
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.6
◇
VC2 Cheapest
✗
📐
EBITDA/EV
13.2%
◐
Veiled Value
✗
▣
Piotroski Bargains
F8
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
Rev +11%
🔄
Shareholder Yield
6.0%
💰
High Yield
Div 3.3%
🚀
Momentum Leaders
12-1 26%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.86
⚡
Risk-Adj Momentum
RAM 1.26
V
Value Analysis
Cheapness relative to fundamentals
86.0%ile
P/E
12.6×
P/S
3.5×
P/B
1.2×
E/P
0.1320
FCF Yield
0.117
EBITDA/EV
0.132
SH Yield
0.060
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
23.00000000
/100 — 1=cheapest
VC2 (Trending Value)
19.00000000
/100
VC3 (Buyback)
22.00000000
/100
FCF yield of 11.7% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
85.0%ile
ROE
0.092
ROA
0.015
Net Margin
0.275
Op Margin
0.348
GPA
0.037
D/E
5.14
Current
33.20
F-Score
8/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.110
Earn Growth
0.362
Stability
0.169
lower=better
Accruals
-0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.14 — returns are being amplified by debt. F-Score of 8/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
79.0%ile
6M Return
15.5%
12M Return
27.4%
12-1 Mom
26.1%
Risk-Adj
1.26
Vol 252d
20.7%
Vol 60d
46.4%
↑ Expanding
Max DD 12M
-13.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 26% is very strong — a clear uptrend. Near-term vol (46%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.95
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
63.3%
Sector Quality %ile
77.2%
P/E z-score
-0.14
P/B z-score
-0.08
Sector Avg OS
85.7%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (86th) and quality (85th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (86th value) with strong momentum (79th). The market is starting to recognise the value.
Piotroski + Value Convergence
F-Score 8/9 with good value (86th). Strong fundamental improvement in a cheap stock.
Strong Capital Return
Shareholder yield 6.0% backed by 11.7% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (46%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
83.3% avg (7 factors)
Quality
C
50.2% avg (8 factors)
Momentum
B
61.3% avg (4 factors)
Risk
A
82.2% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends6 snapshots
Factor Persistence6 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.950 | —6 | — | |
| Value %ile | 0.860 | —6 | — | |
| Quality %ile | 0.850 | —6 | — | |
| Momentum %ile | 0.790 | —2 | — | |
| F-Score | 8.000 | —6 | — | |
| Confidence | 0.980 | —6 | — | |
| Volatility | 0.207 | —0 | — |
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.59
Earnings Yield (E/P)
0.1320
Price / Sales
3.46
Price / Book
1.16
Price / Cash Flow
11.77
FCF Yield
11.7%
EBITDA / EV
13.2%
Sales Yield (1/P·S)
0.3791
Shareholder Yield
Div + net buyback / mktcap
6.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.2%
Return on Assets
1.5%
Net Margin
27.5%
Operating Margin
34.8%
Gross Profit / Assets
Novy-Marx GPA
3.7%
Debt / Equity
5.14
Current Ratio
33.20
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
External Financing
Net issuance — lower=better
0.005
MomentumPrice trend strength over different horizons
6M Return
15.5%
12M Return
27.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
26.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.26
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.0%
Earnings Growth (YoY)
36.2%
Earnings Stability (CV)
Lower = more stable
0.169
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
8
Dividend Yield
3.3%
Buyback Yield
2.7%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
23
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
19
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
22
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity