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United Bankshares
(NASDAQ:UBSI)
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Rating:69Neutral
Price Target:
$50.00
â–²(12.89% Upside)
Action:Downgraded
Date:05/19/26
UBSI scores well on financial performance and valuation (strong recent profitability/cash flow quality, low leverage, and a reasonable P/E with a solid dividend). The overall score is held back by weak near-term technicals, with the stock trading below key moving averages and negative momentum signals.
Positive Factors
Revenue and Margin Expansion
Sustained, large TTM revenue growth and materially higher operating and net margins indicate stronger core banking performance and fee/interest mix improvements, supporting durable earnings power if loan growth and margin discipline continue over the next several quarters.
Negative Factors
Profitability and Cash Flow Volatility
Historical swings in profitability and cash flow suggest earnings are cyclical and can deteriorate quickly under stress; this raises execution risk for stable dividend and lending growth during adverse rate or credit cycles over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Margin Expansion
Sustained, large TTM revenue growth and materially higher operating and net margins indicate stronger core banking performance and fee/interest mix improvements, supporting durable earnings power if loan growth and margin discipline continue over the next several quarters.
Read all positive factors
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.36B
Dividend Yield3.77%
Average Volume (3M)1.04M
Price to Earnings (P/E)12.9
Beta (1Y)0.73
Revenue Growth10.93%
EPS Growth32.14%
CountryUS
Employees2,694
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.58
Shares Outstanding137,798,580
10 Day Avg. Volume869,673
30 Day Avg. Volume1,041,253
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 Cap0.72
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda7.16
Forecast
1Y Price Target
$48.00Price Target Upside8.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.62
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
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.84B | 1.82B | 1.62B | 1.53B | 1.15B | 1.06B |
| Gross Profit | 1.24B | 1.19B | 1.00B | 1.02B | 1.02B | 1.03B |
| EBITDA | 639.23M | 590.18M | 474.98M | 486.91M | 499.45M | 470.76M |
| Net Income | 504.50M | 464.60M | 373.00M | 366.31M | 379.63M | 367.74M |
Balance Sheet | ||||||
| Total Assets | 33.71B | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B |
| Cash, Cash Equivalents and Short-Term Investments | 5.52B | 5.60B | 2.55B | 5.38B | 5.72B | 7.80B |
| Total Debt | 792.31M | 921.17M | 803.28M | 2.08B | 2.43B | 1.03B |
| Total Liabilities | 28.22B | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B |
| Stockholders Equity | 5.49B | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B |
Cash Flow | ||||||
| Free Cash Flow | 526.88M | 481.19M | 433.33M | 423.55M | 743.96M | 594.16M |
| Operating Cash Flow | 539.78M | 498.91M | 445.45M | 435.24M | 760.82M | 609.54M |
| Investing Cash Flow | -1.18B | -899.31M | 571.49M | 38.99M | -3.45B | 15.65M |
| Financing Cash Flow | 339.82M | 650.41M | -323.64M | -51.94M | 105.32M | 923.91M |
United Bankshares Technical Analysis
Positive
44.29
Price Trends
44.07
Positive
42.79
Positive
40.36
Positive
Market Momentum
0.60
Positive
58.51
Neutral
50.45
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 44.29 is below the 20-day moving average (MA) of 45.70, above the 50-day MA of 44.07, and above the 200-day MA of 40.36, indicating a bullish trend. The MACD of 0.60 indicates Positive momentum. The RSI at 58.51 is Neutral, neither overbought nor oversold. The STOCH value of 50.45 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $5.74B | 8.23 | 11.63% | 3.68% | 0.67% | 0.52% | |
72 Outperform | $6.04B | 14.15 | 10.81% | 1.02% | 0.32% | 17.91% | |
72 Outperform | $5.86B | 11.93 | 11.29% | 2.85% | 0.57% | 15.88% | |
71 Outperform | $6.74B | 23.87 | 6.83% | 2.89% | 18.22% | 14.79% | |
69 Neutral | $6.36B | 12.90 | 9.26% | 3.77% | 10.93% | 32.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $6.16B | 15.48 | 9.35% | 2.74% | -5.31% | -9.60% |
* Financial Sector Average
UBSI
United Bankshares
46.19
10.97
31.15%
ABCB
Ameris Bancorp
90.11
25.01
38.41%
OZK
Bank OZK
50.78
1.96
4.02%
GBCI
Glacier Bancorp
51.79
8.67
20.09%
HWC
Hancock Whitney
76.02
19.47
34.42%
HOMB
Home Bancshares
29.00
1.33
4.82%
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.