United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $5.29B
• Dividend Yield: 3.96%
• Average Volume (3M): 561.50K
• Price to Earnings (P/E): 13.2
• Beta (1Y): 0.82
• Revenue Growth: 7.29%
• EPS Growth: 6.87%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 141,647,230
• 10 Day Avg. Volume: 712,648
• 30 Day Avg. Volume: 561,495
• PEG Ratio: 9.24
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 3.13
• P/FCF Ratio: 11.69
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 3.33
• Enterprise Value/Gross Profit: 5.31
• Enterprise Value/Ebitda: 11.34
• 1Y Price Target: $41.00
• Price Target Upside: 9.77% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 72 Outperform
• Price Target: $42.00 ▲(12.45% Upside)

United Bankshares demonstrates strong financial performance with consistent revenue growth and solid profitability margins. The technical analysis indicates a positive trend, supported by bullish momentum. The valuation is reasonable, with an attractive dividend yield. These factors contribute to a stable and promising outlook for the stock.

United Bankshares Business Overview & Revenue Model

Company Description

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

How the Company Makes Money

United Bankshares generates revenue primarily through interest income and non-interest income. The majority of its revenue comes from net interest income, which is derived from the interest earned on loans and investments, minus the interest paid on deposits and borrowings. The bank offers a variety of loan products, including residential, commercial, and consumer loans, which contribute significantly to its interest income. Additionally, United Bankshares earns non-interest income from fees and commissions associated with banking services, such as service charges on deposit accounts, mortgage origination fees, and wealth management services. The company also engages in investment activities, further diversifying its revenue streams. Strategic partnerships with other financial institutions and community organizations enhance its service offerings and customer base, contributing to its overall earnings.

United Bankshares Financial Statement Overview

Summary

United Bankshares exhibits strong financial health with consistent revenue growth, solid profitability margins, and a strong balance sheet with low leverage. The company effectively generates cash, supporting its operations and growth. While there are minor fluctuations in certain metrics, the overall financial position is stable and promising.

Income Statement

United Bankshares has demonstrated consistent revenue growth, with a TTM revenue growth rate of 2.98%. The gross profit margin is strong at 62.72%, and the net profit margin is healthy at 23.18%. EBIT and EBITDA margins are stable, indicating efficient operations. However, the gross profit margin has slightly decreased from previous years.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.15, indicating a strong balance sheet with low leverage. Return on equity is stable at 7.65%, reflecting efficient use of equity. The equity ratio is solid, suggesting a strong capital base. However, the decline in total debt from previous years may indicate reduced borrowing capacity.

Cash Flow

Operating cash flow and free cash flow have shown positive growth, with a TTM free cash flow growth rate of 6.28%. The operating cash flow to net income ratio is robust at 2.92, indicating strong cash generation relative to earnings. The free cash flow to net income ratio is nearly 1, showing effective cash conversion. However, fluctuations in free cash flow growth in prior years suggest potential volatility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.70B	1.62B	1.53B	1.15B	1.06B	1.14B
Gross Profit	1.07B	1.00B	1.02B	1.02B	1.03B	922.62M
EBITDA	500.00M	474.98M	486.91M	499.45M	470.76M	343.30M
Net Income	394.70M	373.00M	366.31M	379.63M	367.74M	289.02M
Balance Sheet
Total Assets	32.78B	30.02B	29.93B	29.49B	29.33B	26.18B
Cash, Cash Equivalents and Short-Term Investments	2.61B	2.55B	5.38B	5.72B	7.80B	5.16B
Total Debt	808.72M	803.28M	2.08B	2.43B	1.03B	1.08B
Total Liabilities	27.42B	25.03B	25.16B	24.97B	24.61B	21.89B
Stockholders Equity	5.36B	4.99B	4.77B	4.52B	4.72B	4.30B
Cash Flow
Free Cash Flow	456.80M	433.33M	423.55M	743.96M	594.16M	121.42M
Operating Cash Flow	469.24M	445.45M	435.24M	760.82M	609.54M	140.45M
Investing Cash Flow	77.56M	571.49M	38.99M	-3.45B	15.65M	137.59M
Financing Cash Flow	-90.97M	-323.64M	-51.94M	105.32M	923.91M	1.09B

United Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Positive. The current price of 37.35 is below the 20-day moving average (MA) of 37.56, above the 50-day MA of 36.89, and above the 200-day MA of 35.88, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 50.07 is Neutral, neither overbought nor oversold. The STOCH value of 55.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBSI.

United Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	80 Outperform	5.90B	8.41	12.12%	3.27%	7.12%	2.47%
FNB	74 Outperform	5.83B	12.50	7.16%	2.96%	7.73%	8.39%
VLY	73 Outperform	5.98B	13.64	5.98%	4.12%	0.20%	9.86%
UBSI	72 Outperform	$5.29B	13.18	7.71%	3.96%	7.29%	6.87%
FFIN	66 Neutral	4.88B	19.85	14.14%	2.17%	14.53%	21.78%
FLG	48 Neutral	4.81B	-6.78	-7.88%	0.35%	-13.26%	86.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

United Bankshares Corporate Events

United Bankshares Updates Executive Compensation Agreements

On July 31, 2025, United Bankshares, Inc. entered into change in control agreements with several key executives, including the CEO and President, outlining severance terms in the event of a qualifying termination following a change in control. Additionally, on July 29, 2025, the company’s Board of Directors approved new forms for future equity awards and amendments to existing retirement agreements, indicating a strategic focus on executive compensation and retention.