United Bankshares (UBSI)
NASDAQ:UBSI
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United Bankshares
(NASDAQ:UBSI)
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Rating:69Neutral
Price Target:
$46.00
â–²(3.86% 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
Cash Generation Quality
Operating 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.
Negative Factors
Profitability & Cash Flow Volatility
Past 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation Quality
Operating 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.
Read all positive factors
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.99B
Dividend Yield3.77%
Average Volume (3M)754.14K
Price to Earnings (P/E)12.0
Beta (1Y)0.75
Revenue Growth10.93%
EPS Growth32.14%
CountryUS
Employees2,553
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.58
Shares Outstanding137,798,580
10 Day Avg. Volume719,582
30 Day Avg. Volume754,140
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 Cap0.75
Enterprise Value/Revenue2.43
Enterprise Value/Gross Profit3.62
Enterprise Value/Ebitda6.99
Forecast
1Y Price Target
$47.00Price Target Upside6.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.58
Revenue Forecast (FY)$1.30B
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 checki...
How the Company Makes Money
United Bankshares primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is the largest driver for most traditional banks and is earned from the spread between interest received on earning assets (pri...
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
Negative
44.29
Price Trends
42.82
Negative
42.17
Positive
39.44
Positive
Market Momentum
0.05
Negative
46.47
Neutral
58.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBSI, the sentiment is Negative. The current price of 44.29 is above the 20-day moving average (MA) of 42.96, above the 50-day MA of 42.82, and above the 200-day MA of 39.44, indicating a neutral trend. The MACD of 0.05 indicates Negative momentum. The RSI at 46.47 is Neutral, neither overbought nor oversold. The STOCH value of 58.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $5.69B | 13.20 | 10.81% | 1.02% | 0.32% | 17.91% | |
73 Outperform | $5.51B | 7.60 | 11.63% | 3.68% | 0.67% | 0.52% | |
72 Outperform | $5.39B | 11.02 | 11.29% | 2.85% | 0.57% | 15.88% | |
71 Outperform | $6.07B | 22.75 | 6.83% | 2.89% | 18.22% | 14.79% | |
69 Neutral | $5.99B | 12.03 | 9.26% | 3.77% | 10.93% | 32.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $5.58B | 13.65 | 9.35% | 2.74% | -5.31% | -9.60% |
* Financial Sector Average
UBSI
United Bankshares
43.50
8.61
24.68%
ABCB
Ameris Bancorp
83.19
22.36
36.75%
OZK
Bank OZK
47.66
4.25
9.79%
GBCI
Glacier Bancorp
46.64
5.99
14.75%
HWC
Hancock Whitney
68.70
15.22
28.45%
HOMB
Home Bancshares
26.75
-0.78
-2.83%
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.