United Bankshares (UBSI) AI Stock Analysis

• Market Cap: $5.34B
• Dividend Yield: 3.92%
• Average Volume (3M): 771.76K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.91
• Revenue Growth: 7.80%
• EPS Growth: 6.87%
• Country: US
• Employees: 2,553
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 141,647,230
• 10 Day Avg. Volume: 666,483
• 30 Day Avg. Volume: 771,763
• 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: 1.06
• Enterprise Value/Revenue: 3.43
• Enterprise Value/Gross Profit: 5.58
• Enterprise Value/Ebitda: 12.24
• 1Y Price Target: $40.50
• Price Target Upside: 7.34% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 71 Outperform
• Price Target: $41.00 ▲(8.67% Upside)

United Bankshares demonstrates strong financial performance with consistent revenue growth and robust cash flow generation. The technical indicators suggest a neutral to slightly positive trend, while the valuation is reasonable with an attractive dividend yield. The absence of earnings call and corporate events data does not impact the overall score significantly.

United Bankshares Business Overview & Revenue Model

Company Description

United Bankshares, Inc. (UBSI) is a financial holding company based in the United States, primarily engaged in the business of banking through its subsidiaries, which provide a range of financial services. The company operates in both traditional and digital banking sectors, offering services such as personal and commercial banking, mortgage lending, and investment management. United Bankshares serves customers across various markets, focusing on delivering comprehensive financial solutions to individuals, businesses, and communities in its footprint.

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 presents a strong financial profile with consistent revenue growth, solid profit margins, and stable financial management. The balance sheet reflects a conservative approach to leverage, enhancing the company's stability. Cash flow generation is robust, supporting operational needs and strategic initiatives. Overall, the company is well-positioned within the regional banking industry, with a balanced approach to growth and risk management.

Income Statement

United Bankshares has demonstrated consistent revenue growth, with a notable increase in total revenue over the past two years. The gross profit margin remains strong at 61.5% for TTM, indicating efficient cost management. Net profit margin is slightly lower than in previous periods but is still healthy at 22.4% for TTM. The EBIT and EBITDA margins are stable, showcasing operational efficiency. Overall, the company exhibits solid profitability and growth trends.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.15 in TTM, suggesting conservative leverage. The equity ratio is a solid 16.1%, indicating a strong equity base relative to total assets. Return on equity stands at 7.0% for TTM, which is moderate and suggests room for improvement. The company's balance sheet demonstrates stability and a low-risk profile with prudent financial management.

Cash Flow

Cash flow analysis reveals robust operating cash flow relative to net income, with a ratio of 1.19, indicating strong cash generation capability. Free cash flow has remained positive and consistent, with a slight decrease in growth rate but still maintaining healthy levels. The free cash flow to net income ratio of 1.16 indicates efficient conversion of earnings into cash, supporting the company's financial flexibility and ability to fund operations and growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.65B	1.62B	1.53B	1.15B	1.06B	1.14B
Gross Profit	1.02B	1.00B	1.02B	1.02B	1.03B	922.62M
EBITDA	463.29M	474.98M	486.91M	499.45M	470.76M	343.30M
Net Income	370.49M	373.00M	366.31M	379.63M	367.74M	289.02M
Balance Sheet
Total Assets	32.79B	30.02B	29.93B	29.49B	29.33B	26.18B
Cash, Cash Equivalents and Short-Term Investments	2.86B	2.55B	5.38B	5.72B	7.80B	5.16B
Total Debt	818.56M	803.28M	2.08B	2.43B	1.03B	1.08B
Total Liabilities	27.47B	25.03B	25.16B	24.97B	24.61B	21.89B
Stockholders Equity	5.31B	4.99B	4.77B	4.52B	4.72B	4.30B
Cash Flow
Free Cash Flow	429.81M	433.33M	423.55M	743.96M	594.16M	121.42M
Operating Cash Flow	441.06M	445.45M	435.24M	760.82M	609.54M	140.45M
Investing Cash Flow	555.24M	571.49M	38.99M	-3.45B	15.65M	137.59M
Financing Cash Flow	-118.77M	-323.64M	-51.94M	105.32M	923.91M	1.09B

United Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.73
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 37.73 is above the 20-day moving average (MA) of 36.37, above the 50-day MA of 36.48, and above the 200-day MA of 36.51, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 61.16 is Neutral, neither overbought nor oversold. The STOCH value of 97.39 is Negative, 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	78 Outperform	$5.61B	8.03	12.68%	3.38%	7.12%	2.47%
FNB	74 Outperform	$5.57B	12.05	7.40%	3.00%	7.73%	8.39%
VLY	74 Outperform	$5.46B	12.48	6.33%	4.37%	0.20%	9.86%
UBSI	71 Outperform	$5.34B	13.33	7.71%	3.92%	7.80%	6.87%
FFIN	66 Neutral	$5.01B	20.45	15.09%	2.00%	14.53%	21.78%
Sector *	62 Neutral	C$15.64B	6.67	13.72%	5.97%	22.38%	-10.22%
FLG	47 Neutral	$4.89B	―	-7.62%	0.33%	-13.26%	86.72%

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.

The most recent analyst rating on (UBSI) stock is a Hold with a $45.00 price target. To see the full list of analyst forecasts on United Bankshares stock, see the UBSI Stock Forecast page.

United Bankshares Approves 2025 Equity Incentive Plan

On May 14, 2025, United Bankshares, Inc. held its Annual Meeting where shareholders approved the adoption of the 2025 Equity Incentive Plan. The meeting also saw the election of fifteen directors for a one-year term, the ratification of Ernst & Young LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, and an advisory approval of the compensation for United’s named executive officers. These decisions reflect the company’s ongoing governance and strategic planning efforts.

The most recent analyst rating on (UBSI) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on United Bankshares stock, see the UBSI Stock Forecast page.