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UBSI Stock Chart & Stats
$47.94
$0.14(0.29%)
At close: 4:00 PM EDT
$47.94
$0.14(0.29%)
Day’s Range― - ―
52-Week Range$34.10 - $49.62
Previous CloseN/A
Volume997.65K
Average Volume (3M)1.14M
Market Cap
$6.68B
Enterprise Value$5.06K
Total Cash (Recent Filing)$5.40B
Total Debt (Recent Filing)$799.37M
Price to Earnings (P/E)13.2
Beta0.77
Next Earnings
Oct 22, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend Yield3.12%
Share Statistics
EPS (TTM)3.67
Shares Outstanding137,798,580
10 Day Avg. Volume1,152,676
30 Day Avg. Volume1,139,356
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)0.98
Price to Sales (P/S)2.96
P/FCF Ratio11.21
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$49.00Price Target Upside2.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.68
Revenue Forecast (FY)$1.29B
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthTTM revenue up 82% indicates durable expansion in core lending and fee businesses, reflecting stronger origination and deposit activity. Sustained top-line growth supports scale economies, funds reinvestment in digital/branch channels and underpins longer-term earnings power over the next several months.
Improved Margins And Cash ConversionElevated net and operating margins combined with near-parity free cash flow to net income signal high earnings quality and operating efficiency. Reliable cash conversion supports a sustainable dividend, funds credit provisioning, and provides internal financing for loan growth and strategic initiatives over a multi-month horizon.
Conservative Balance Sheet / Low LeverageLow debt-to-equity (~0.14) and stable shareholders' equity imply a conservative capital structure for a regional bank. This provides buffer against credit shocks, regulatory pressure and supports lending flexibility, allowing the bank to sustain operations and dividends through typical regional-bank cycles.
Bears Say
Profitability And Margin VolatilityHistoric swings in margins and profitability indicate earnings sensitivity to rate and credit cycles. This volatility undermines predictability of net interest income and fee revenue, complicating capital planning and making dividends and buybacks more conditional on short-to-medium term macro and credit trends.
Historic Leverage SwingsPrior episodes of materially higher leverage show management may increase funding risk under stress. Such swings can compress regulatory buffers, raise funding costs, and force deleveraging or capital raises that constrain loan growth and shareholder returns over subsequent quarters.
Uneven Cash Flow MomentumIrregular free cash flow history, including a 2023 decline, signals that cash generation can be episodic. This unevenness creates risk for consistent capital deployment, limits discretionary investments or buybacks in weaker periods, and makes multi-quarter financial planning and dividend coverage less certain.
United Bankshares News
UBSI FAQ
What was United Bankshares’s price range in the past 12 months?
United Bankshares lowest stock price was $34.10 and its highest was $49.62 in the past 12 months.
What is United Bankshares’s market cap?
United Bankshares’s market cap is $6.68B.
When is United Bankshares’s upcoming earnings report date?
United Bankshares’s upcoming earnings report date is Oct 22, 2026 which is in 76 days.
How were United Bankshares’s earnings last quarter?
United Bankshares released its earnings results on Jul 23, 2026. The company reported $0.95 earnings per share for the quarter, beating the consensus estimate of $0.887 by $0.063.
Is United Bankshares overvalued?
According to Wall Street analysts United Bankshares’s price is currently Undervalued.
Does United Bankshares pay dividends?
United Bankshares pays a Quarterly dividend of $0.38 which represents an annual dividend yield of 3.12%. See more information on United Bankshares dividends here
What is United Bankshares’s EPS estimate?
United Bankshares’s EPS estimate is 0.93.
How many shares outstanding does United Bankshares have?
United Bankshares has 137,798,580 shares outstanding.
What happened to United Bankshares’s price movement after its last earnings report?
United Bankshares reported an EPS of $0.95 in its last earnings report, beating expectations of $0.887. Following the earnings report the stock price went up 0.959%.
Which hedge fund is a major shareholder of United Bankshares?
Currently, no hedge funds are holding shares in UBSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Bankshares Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$49.00 (2.21% Upside)
$49.00 (2.21% Upside)
Blogger Sentiment
Bullish
UBSI Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 58.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▼ 1.2%
Last 30 Days ▲ 3.7%
Last 30 Days ▲ 3.7%
Technicals
SMA
Positive
20 days / 200 days
Momentum
35.64%
12-Months-Change
Fundamentals
Return on Equity
3.12%
Trailing 12-Months
Asset Growth
2.95%
Trailing 12-Months
Company Description
United Bankshares
United Bankshares, Inc. (UBSI) is a bank holding company for United Bank that provides commercial and retail banking and related financial services in the United States. The company operates in the financial services sector, offering products such as deposit accounts, commercial and consumer loans, residential mortgage lending, and other banking services delivered through branch locations and digital channels.
UBSI Stock 12 Month Forecast
Average Price Target
$49.00
▲(2.21% Upside)
Technical Analysis
Ownership Overview
2.27% Insiders
21.81% Mutual Funds
3.57% Other Institutional Investors
38.56% Public Companies and
Individual Investors