Want to see UBSI full AI Analyst Report?
Top Page
United Bankshares
(NASDAQ:UBSI)
Select Model
Select Model
Rating:76Outperform
Price Target:
$55.00
â–²(14.73% Upside)
Action:Upgraded
Date:08/08/26
UBSI scores well primarily on financial strength—solid profitability, strong cash conversion, and meaningfully improved leverage—supported by a constructive technical trend and reasonable valuation with a healthy dividend. The main restraint is softer recent revenue momentum, while corporate events are positive but not a major fundamental catalyst.
Positive Factors
High Profitability
Sustained high margins and near-1.0 FCF-to-net-income indicate durable earnings quality. This margin cushion supports internal investment, loss absorption and consistent dividend funding across business cycles, enhancing long-term resilience independent of short-term rate swings.
Negative Factors
Softening Revenue Trend
A slight top-line contraction suggests pressures on loan growth, fee income, or deposit margins. If persistent, this limits the firm's ability to compound earnings and may force reliance on margin expansion or cost cuts to maintain profit growth over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high margins and near-1.0 FCF-to-net-income indicate durable earnings quality. This margin cushion supports internal investment, loss absorption and consistent dividend funding across business cycles, enhancing long-term resilience independent of short-term rate swings.
Read all positive factors
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.66B
Dividend Yield3.08%
Average Volume (3M)1.14M
Price to Earnings (P/E)13.4
Beta (1Y)0.72
Revenue Growth7.96%
EPS Growth29.54%
CountryUS
Employees2,740
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.67
Shares Outstanding136,212,570
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
United Bankshares Business Overview & Revenue Model
Company Description
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 th...
How the Company Makes Money
United Bankshares primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by interest and fees earned on loans (e.g., commercial loans, consumer loans, an...
United Bankshares Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
83
Very Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.80B | 1.82B | 1.62B | 1.53B | 1.15B | 1.06B |
| Gross Profit | 1.22B | 1.19B | 1.00B | 1.02B | 1.02B | 1.03B |
| EBITDA | 614.62M | 590.18M | 474.98M | 486.91M | 499.45M | 470.76M |
| Net Income | 515.15M | 464.60M | 373.00M | 366.31M | 379.63M | 367.74M |
Balance Sheet | ||||||
| Total Assets | 33.75B | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B |
| Cash, Cash Equivalents and Short-Term Investments | 5.40B | 5.60B | 2.55B | 5.38B | 5.72B | 7.80B |
| Total Debt | 799.37M | 921.17M | 803.28M | 2.08B | 2.43B | 1.03B |
| Total Liabilities | 28.24B | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B |
| Stockholders Equity | 5.51B | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B |
Cash Flow | ||||||
| Free Cash Flow | 551.68M | 481.19M | 433.33M | 423.55M | 743.96M | 594.16M |
| Operating Cash Flow | 555.58M | 498.91M | 445.45M | 435.24M | 760.82M | 609.54M |
| Investing Cash Flow | -1.19B | -899.31M | 571.49M | 38.99M | -3.45B | 15.65M |
| Financing Cash Flow | 401.52M | 650.41M | -323.64M | -51.94M | 105.32M | 923.91M |
United Bankshares Technical Analysis
Positive
47.94
Price Trends
46.51
Positive
44.52
Positive
41.76
Positive
Market Momentum
0.67
Positive
62.30
Neutral
58.66
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 47.94 is below the 20-day moving average (MA) of 48.27, above the 50-day MA of 46.51, and above the 200-day MA of 41.76, indicating a bullish trend. The MACD of 0.67 indicates Positive momentum. The RSI at 62.30 is Neutral, neither overbought nor oversold. The STOCH value of 58.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBSI.
United Bankshares Risk Analysis
United Bankshares disclosed 30 risk factors in its most recent earnings report. United Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
United Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $5.91B | 8.61 | 11.21% | 3.70% | -0.40% | -1.91% | |
81 Outperform | $6.23B | 12.85 | 11.01% | 2.68% | 1.86% | 10.69% | |
76 Outperform | $6.66B | 13.37 | 9.39% | 3.15% | 7.96% | 29.54% | |
74 Outperform | $6.34B | 15.41 | 9.61% | 2.49% | -3.22% | -5.23% | |
70 Outperform | $5.94B | 16.14 | 9.25% | 0.91% | 2.30% | -2.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.40B | 20.15 | 7.61% | 2.63% | 20.01% | 26.97% |
* Financial Sector Average
UBSI
United Bankshares
49.06
12.72
35.02%
ABCB
Ameris Bancorp
89.39
18.83
26.69%
OZK
Bank OZK
52.24
3.83
7.90%
GBCI
Glacier Bancorp
49.77
4.89
10.88%
HWC
Hancock Whitney
79.37
19.89
33.45%
HOMB
Home Bancshares
31.35
3.37
12.03%
United Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
United Bankshares Shareholders Back Board, Auditor and Pay
Positive
May 18, 2026
At its Annual Meeting of Shareholders held on May 13, 2026, United Bankshares, Inc. shareholders elected fourteen directors to serve one-year terms expiring at the 2027 Annual Meeting and reaffirmed the company’s governance structure. The me...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.