UNK Stock Chart & Stats
€36.40
-€0.20(-0.56%)
At close: 4:00 PM EST
€36.40
-€0.20(-0.56%)
Day’s Range― - ―
52-Week Range€29.00 - €41.80
Previous CloseN/A
Volume0.00
Average Volume (3M)5.00
Market Cap
€5.79B
Enterprise Value€5.06K
Total Cash (Recent Filing)€5.52B
Total Debt (Recent Filing)€792.31M
Price to Earnings (P/E)17.5
Beta0.46
Next Earnings
Oct 22, 2026EPS Estimate
0.81Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.58
Shares Outstanding137,798,580
10 Day Avg. Volume15
30 Day Avg. Volume5
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€42.16Price Target Upside15.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.18
Revenue Forecast (FY)€1.14B
Bulls Say, Bears Say
Bulls Say
Revenue & Margin StrengthSustained, sharp TTM revenue growth combined with materially higher operating and net margins indicates durable improvement in core banking profitability and operating leverage. Over 2-6 months this supports cash generation and reinvestment capacity if rate/loan mix remains stable.
Conservative Balance SheetLow current leverage provides structural resilience: it lowers funding stress risk, supports capacity to absorb credit losses, and preserves room for measured lending growth or buybacks/dividends. A conservative capital base enhances regulatory flexibility over the medium term.
Strong Cash GenerationHigh cash conversion quality—FCF nearly equal to net income—signals earnings are backed by real cash. That durability supports sustainable dividends, internal investment, and deleveraging, giving management predictable capital allocation choices across business cycles.
Bears Say
Earnings VolatilityHistorical swings in profitability suggest earnings are sensitive to cyclical forces (rates, credit). That variability reduces predictability of cash flows and complicates long-term planning for capital returns, provisioning, and lending growth over the next several quarters.
Prior Leverage SpikesThe record of rapid leverage increases indicates management may expand funding and risk exposure in certain conditions. Such shifts can compress capital buffers, increase funding costs or regulatory scrutiny, and limit strategic flexibility during stress periods.
Rate & Credit SensitivityCore earnings rely on net interest income and are structurally exposed to interest-rate and credit cycles. Adverse rate moves or credit deterioration can erode margins and raise provisions, pressuring long-term profitability and capital if sustained over multiple quarters.
United Bankshares News
UNK FAQ
What was United Bankshares’s price range in the past 12 months?
United Bankshares lowest stock price was €29.00 and its highest was €41.80 in the past 12 months.
What is United Bankshares’s market cap?
United Bankshares’s market cap is €5.79B.
When is United Bankshares’s upcoming earnings report date?
United Bankshares’s upcoming earnings report date is Oct 22, 2026 which is in 89 days.
How were United Bankshares’s earnings last quarter?
United Bankshares released its earnings results on Jul 23, 2026. The company reported €0.834 earnings per share for the quarter, beating the consensus estimate of €0.779 by €0.055.
Is United Bankshares overvalued?
According to Wall Street analysts United Bankshares’s price is currently Undervalued.
Does United Bankshares pay dividends?
United Bankshares does not currently pay dividends.
What is United Bankshares’s EPS estimate?
United Bankshares’s EPS estimate is 0.81.
How many shares outstanding does United Bankshares have?
United Bankshares has 137,798,580 shares outstanding.
What happened to United Bankshares’s price movement after its last earnings report?
United Bankshares reported an EPS of €0.834 in its last earnings report, beating expectations of €0.779. Following the earnings report the stock price went up 0.976%.
Which hedge fund is a major shareholder of United Bankshares?
Currently, no hedge funds are holding shares in DE:UNK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Bankshares Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€42.16 (15.82% Upside)
€42.16 (15.82% Upside)
Blogger Sentiment
Bullish
DE:UNK Sentiment 70%
Sector Average 60%
Sector Average 60%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.41%
12-Months-Change
Fundamentals
Return on Equity
3.07%
Trailing 12-Months
Asset Growth
2.95%
Trailing 12-Months
Company Description
United Bankshares
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 throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
UNK Stock 12 Month Forecast
Average Price Target
€42.16
▲(15.82% Upside)