United Bankshares (UBSI)
NASDAQ:UBSI
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UBSI Stock Chart & Stats
$44.29
$0.04(0.11%)
At close: 4:00 PM EST
$44.29
$0.04(0.11%)
Day’s Range― - ―
52-Week Range$34.10 - $46.09
Previous CloseN/A
Volume75.55K
Average Volume (3M)832.91K
Market Cap
$6.19B
Enterprise Value$4.58B
Total Cash (Recent Filing)$5.52B
Total Debt (Recent Filing)$792.31M
Price to Earnings (P/E)12.7
Beta0.75
Next Earnings
Jul 23, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield3.77%
Share Statistics
EPS (TTM)3.58
Shares Outstanding137,798,580
10 Day Avg. Volume1,068,201
30 Day Avg. Volume832,910
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 Cap0.74
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda7.16
Forecast
1Y Price Target
$47.67Price Target Upside7.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.62
Revenue Forecast (FY)$1.30B
Bulls Say, Bears Say
Bulls Say
Cash Generation QualityOperating cash flow and free cash flow near net income indicate strong cash conversion and earnings quality. This durable cash generation supports dividends, organic growth, provisioning capacity, and capital returns, increasing resilience across multi-quarter rate or credit cycles.
Conservative Balance SheetLow leverage and stable equity position provide a meaningful capital buffer for a regional bank. A conservative capital structure enhances loss-absorption capacity, funding flexibility and regulatory headroom, reducing structural risk through economic and credit-cycle fluctuations.
Strong Revenue & Margin ExpansionSubstantial top-line growth combined with materially higher operating and net margins indicates scalable core profitability from lending and fee services. Sustained margin expansion supports internal investment, dividend coverage and capital accumulation over multiple quarters.
Bears Say
Profitability & Cash Flow VolatilityPast swings in earnings and cash flow reduce predictability of core performance. For a bank, such variability complicates provisioning, capital planning and dividend reliability, making multi-quarter forecasting and stress planning more challenging during shifting rate or credit conditions.
Prior Leverage SpikesEpisodes of materially higher leverage show the capital structure can deteriorate under certain conditions. That dynamic increases structural risk: it can constrain strategic flexibility, raise funding costs, and amplify earnings sensitivity in downturns or rapid deposit outflows.
Geographic ConcentrationConcentration in Mid-Atlantic/Appalachian markets limits geographic diversification and ties performance to regional economic, real estate and sector cycles. Material localized downturns or industry-specific shocks could disproportionately affect loan losses and deposit behavior over several quarters.
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 $46.09 in the past 12 months.
What is United Bankshares’s market cap?
United Bankshares’s market cap is $6.19B.
When is United Bankshares’s upcoming earnings report date?
United Bankshares’s upcoming earnings report date is Jul 23, 2026 which is in 29 days.
How were United Bankshares’s earnings last quarter?
United Bankshares released its earnings results on Apr 23, 2026. The company reported $0.89 earnings per share for the quarter, beating the consensus estimate of $0.85 by $0.04.
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 3.77%. See more information on United Bankshares dividends here
What is United Bankshares’s EPS estimate?
United Bankshares’s EPS estimate is 0.89.
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 $0.89 in its last earnings report, beating expectations of $0.85. Following the earnings report the stock price went up 1.199%.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$47.67 (7.62% Upside)
$47.67 (7.62% Upside)
Blogger Sentiment
Bullish
UBSI Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 58.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 0.8%
Last 30 Days ▼ 0.5%
Last 30 Days ▼ 0.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.62%
12-Months-Change
Fundamentals
Return on Equity
9.26%
Trailing 12-Months
Asset Growth
2.80%
Trailing 12-Months
Company Description
United Bankshares
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
UBSI Stock 12 Month Forecast
Average Price Target
$47.67
▲(7.62% Upside)
Technical Analysis
Ownership Overview
2.27% Insiders
21.81% Mutual Funds
10.75% Other Institutional Investors
31.76% Public Companies and
Individual Investors