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United Bankshares (UBSI) AI Stock Analysis
United Bankshares
(NASDAQ:UBSI)
The score is primarily driven by solid financial performance (strong profitability, improved leverage, and high cash conversion) and a supportive capital return profile (dividend plus a sizable new buyback authorization). Valuation is reasonable (P/E ~13 with a ~3.16% yield), while technical signals are mixed with near-term weakness but longer-term trend support.
United Bankshares (UBSI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $6.57B
- Dividend Yield
- 3.15%
- Average Volume (3M)
- 919.29K
- Price to Earnings (P/E)
- 13.1
- Beta (1Y)
- 0.66
- Revenue Growth
- 3.66%
- EPS Growth
- 21.00%
- Country
- US
- Employees
- 2,812
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 throu...
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, and r...
United Bankshares Financial Statement Overview
Summary
Financials are solid overall, supported by strong profitability (TTM net margin ~28.6%, EBIT margin ~34%), improving leverage (debt-to-equity ~0.15 in TTM), and strong cash conversion (FCF to net income ~0.99). Offsetting factors include slightly negative TTM revenue growth (~-1.8%) and historical variability in operating cash-flow coverage.
Income Statement
76PositiveBalance Sheet
83Very PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.79B | 1.82B | 1.62B | 1.53B | 1.15B | 1.06B |
| Gross Profit | 1.23B | 1.19B | 1.00B | 1.02B | 1.02B | 1.03B |
| EBITDA | 751.55M | 590.18M | 474.98M | 486.91M | 499.45M | 470.76M |
| Net Income | 513.11M | 464.60M | 373.00M | 366.31M | 379.63M | 367.74M |
Balance Sheet | ||||||
| Total Assets | 34.23B | 33.66B | 30.02B | 29.93B | 29.49B | 29.33B |
| Cash, Cash Equivalents and Short-Term Investments | 5.41B | 5.60B | 2.55B | 5.38B | 5.72B | 7.80B |
| Total Debt | 824.74M | 921.17M | 803.28M | 2.08B | 2.43B | 1.03B |
| Total Liabilities | 28.81B | 28.16B | 25.03B | 25.16B | 24.97B | 24.61B |
| Stockholders Equity | 5.41B | 5.50B | 4.99B | 4.77B | 4.52B | 4.72B |
Cash Flow | ||||||
| Free Cash Flow | 392.98M | 481.19M | 433.33M | 423.55M | 743.96M | 594.16M |
| Operating Cash Flow | 404.94M | 498.91M | 445.45M | 435.24M | 760.82M | 609.54M |
| Investing Cash Flow | -787.71M | -899.31M | 571.49M | 38.99M | -3.45B | 15.65M |
| Financing Cash Flow | -54.64M | 650.41M | -323.64M | -51.94M | 105.32M | 923.91M |
United Bankshares Technical Analysis
Price Trends
Market Momentum
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 49.30 is above the 20-day moving average (MA) of 46.99, above the 50-day MA of 46.95, and above the 200-day MA of 44.25, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 58.04 is Neutral, neither overbought nor oversold. The STOCH value of 68.69 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.
Latest Risks Added
0 New RisksUnited Bankshares Peers Comparison
Overall Rating
HOMB78Outperform
OZK76Outperform- UBSI74Outperform
HWC73Outperform
ABCB72Outperform
GBCI71Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HOMB | 78Outperform | $5.96B | 12.05 | 10.95% | 2.89% | 2.37% | 5.57% |
| OZK | 76Outperform | $5.53B | 8.48 | 10.93% | 3.75% | -0.40% | -1.91% |
| UBSI | 74Outperform | $6.57B | 13.07 | 9.37% | 3.15% | 3.66% | 21.00% |
| HWC | 73Outperform | $5.78B | 14.34 | 9.34% | 2.71% | -0.63% | -10.24% |
| ABCB | 72Outperform | $5.53B | 14.38 | 9.44% | 0.97% | 3.39% | -1.12% |
| GBCI | 71Outperform | $6.32B | 18.19 | 8.14% | 2.76% | 21.22% | 30.61% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| UBSI | United Bankshares | 48.22 | 13.49 | 38.85% | |
| ABCB | Ameris | 82.42 | 10.69 | 14.90% | |
| OZK | Bank Ozk | 50.65 | 7.70 | 17.92% | |
| GBCI | Glacier Bancorp | 48.56 | 8.87 | 22.34% | |
| HWC | Hancock Whitney Corp | 71.99 | 15.97 | 28.52% | |
| HOMB | Home Bancshares | 29.77 | 3.55 | 13.55% |
United Bankshares Corporate Events
United Bankshares Announces Dividend And New Buyback Plan
PositiveOn August 24, 2026, United Bankshares’ board declared a third quarter cash dividend of $0.38 per share, payable October 1, 2026 to shareholders of record on September 11, 2026, amounting to roughly $51.8 million on 136.2 million shares. The pay...
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.
Date of analysis: Aug 24, 2026