United Bankshares (UBSI)
NASDAQ:UBSI
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United Bankshares
(NASDAQ:UBSI)
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Rating:61Neutral
Price Target:
$44.00
â–²(7.11% Upside)
Action:DowngradedDate:02/28/26
The score is driven primarily by financial fundamentals: solid profitability and an improving balance sheet are offset by the 2025 revenue drop and the sharp cash-flow deterioration. Technicals are weak-to-neutral in the near term, while valuation is supportive with a reasonable P/E and attractive dividend yield.
Positive Factors
Profitability & Margins
United exhibits durable core profitability with net margins in the mid-20s to mid-30s, indicating reliable earnings generation. Steady margins support internal capital formation, dividend capacity and lending activity, helping sustain franchise economics over the next several months.
Negative Factors
2025 Revenue Decline
A pronounced revenue contraction in 2025 weakens the company’s top-line momentum and undermines durable earnings power. Lower revenues can compress both net interest and fee income, strain margins, and slow internal capital accretion across the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Margins
United exhibits durable core profitability with net margins in the mid-20s to mid-30s, indicating reliable earnings generation. Steady margins support internal capital formation, dividend capacity and lending activity, helping sustain franchise economics over the next several months.
Read all positive factors
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.73B
Dividend Yield3.77%
Average Volume (3M)962.17K
Price to Earnings (P/E)11.6
Beta (1Y)0.74
Revenue Growth8.83%
EPS Growth15.49%
CountryUS
Employees2,553
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.91
Shares Outstanding139,419,480
10 Day Avg. Volume1,213,816
30 Day Avg. Volume962,171
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 Cap0.70
Enterprise Value/Revenue2.20
Enterprise Value/Gross Profit3.37
Enterprise Value/Ebitda6.79
Forecast
1Y Price Target
$44.67Price Target Upside8.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.53
Revenue Forecast (FY)$1.29B
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 generates revenue primarily through the interest income earned on loans and investments, which constitutes a significant portion of its earnings. The bank makes money by lending to individuals and businesses at higher interest ra...
United Bankshares Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.82B | 1.62B | 1.53B | 1.15B | 1.06B |
| Gross Profit | 1.19B | 1.00B | 1.02B | 1.02B | 1.03B |
| EBITDA | 590.18M | 474.98M | 486.91M | 499.45M | 470.76M |
| Net Income | 464.60M | 373.00M | 366.31M | 379.63M | 367.74M |
Balance Sheet | |||||
| Total Assets | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B |
| Cash, Cash Equivalents and Short-Term Investments | 5.60B | 2.55B | 5.38B | 5.72B | 7.80B |
| Total Debt | 921.17M | 803.28M | 2.08B | 2.43B | 1.03B |
| Total Liabilities | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B |
| Stockholders Equity | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B |
Cash Flow | |||||
| Free Cash Flow | 481.19M | 433.33M | 423.55M | 743.96M | 594.16M |
| Operating Cash Flow | 498.91M | 445.45M | 435.24M | 760.82M | 609.54M |
| Investing Cash Flow | -899.31M | 571.49M | 38.99M | -3.45B | 15.65M |
| Financing Cash Flow | 650.41M | -323.64M | -51.94M | 105.32M | 923.91M |
United Bankshares Technical Analysis
Positive
41.08
Price Trends
41.60
Negative
39.55
Positive
37.73
Positive
Market Momentum
-0.32
Negative
54.97
Neutral
85.31
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 41.08 is above the 20-day moving average (MA) of 40.02, below the 50-day MA of 41.60, and above the 200-day MA of 37.73, indicating a neutral trend. The MACD of -0.32 indicates Negative momentum. The RSI at 54.97 is Neutral, neither overbought nor oversold. The STOCH value of 85.31 is Negative, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $5.15B | 7.10 | 11.93% | 3.68% | 2.79% | 2.11% | |
71 Outperform | $5.25B | 12.33 | 10.41% | 1.02% | 2.20% | 20.88% | |
70 Outperform | $5.18B | 10.89 | 11.06% | 2.74% | -0.78% | 25.39% | |
68 Neutral | $5.26B | 11.51 | 11.43% | 2.85% | 1.43% | 19.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $5.78B | 22.44 | 6.53% | 2.89% | 8.73% | 26.19% | |
61 Neutral | $5.73B | 11.61 | 8.60% | 3.77% | 8.83% | 15.49% |
* Financial Sector Average
UBSI
United Bankshares
40.36
7.29
22.04%
ABCB
Ameris Bancorp
75.89
19.33
34.17%
OZK
Bank OZK
44.52
2.45
5.81%
GBCI
Glacier Bancorp
43.47
0.97
2.28%
HWC
Hancock Whitney
62.26
11.94
23.73%
HOMB
Home Bancshares
26.43
-0.92
-3.37%
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.