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UBSI Stock Chart & Stats
$44.29
$0.04(0.11%)
At close: 4:00 PM EST
$44.29
$0.04(0.11%)
Day’s Range― - ―
52-Week Range$34.10 - $48.22
Previous CloseN/A
Volume75.55K
Average Volume (3M)1.08M
Market Cap
$6.56B
Enterprise Value$6.33K
Total Cash (Recent Filing)$5.52B
Total Debt (Recent Filing)$792.31M
Price to Earnings (P/E)13.3
Beta0.71
Next Earnings
Jul 23, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield3.77%
Share Statistics
EPS (TTM)3.58
Shares Outstanding137,798,580
10 Day Avg. Volume980,226
30 Day Avg. Volume1,076,484
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$48.00Price Target Upside8.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.62
Revenue Forecast (FY)$1.29B
Bulls Say, Bears Say
Bulls Say
Revenue And Margin ImprovementSustained, large TTM revenue growth combined with materially improved operating and net margins indicates the firm is converting higher volumes into durable profitability. Over months this supports cash generation, reinvestment in lending, and a stronger ability to fund dividends or build capital.
Conservative Balance Sheet And Low LeverageLow current leverage provides a structural buffer against credit stress and funding shocks typical for regional banks. A conservative capital base supports regulatory compliance, underwriting capacity and flexibility to absorb loan losses or pursue modest acquisitions without immediate capital raises.
High Cash Conversion And Earnings QualityVery strong cash conversion (FCF ≈ net income) signals high earnings quality and reliable internal funding. This durable cash generation supports loan origination, liquidity management and continued shareholder distributions while reducing reliance on volatile external funding.
Bears Say
Volatile Profitability And Cash Flow HistoryHistoric swings in earnings and cash flow reduce predictability for capital planning and dividend sustainability. For a bank, episodic profit variability can trigger higher provisioning or forced conservation of capital during downturns, constraining growth or returns over medium term.
Prior Leverage Spikes Indicate Capital VariabilityThe fact leverage rose materially in recent cycles suggests management may need to access funding or relax capital policies under stress. That structural variability increases execution risk: during adverse conditions the bank could face tighter lending capacity, dilution, or higher funding costs.
Earnings Sensitive To Rate And Credit CyclesAs a regional bank, core net interest income and provisions will move with interest rates and local credit trends. Structural sensitivity means adverse macro or regional credit deterioration can compress margins and raise charge-offs, weakening long-term earnings visibility and capital accumulation.
United Bankshares News
UBSI FAQ
What was United Bankshares’s price range in the past 12 months?
United Bankshares lowest stock price was $34.10 and its highest was $48.22 in the past 12 months.
What is United Bankshares’s market cap?
United Bankshares’s market cap is $6.56B.
When is United Bankshares’s upcoming earnings report date?
United Bankshares’s upcoming earnings report date is Jul 23, 2026 which is in 3 days.
How were United Bankshares’s earnings last quarter?
United Bankshares released its earnings results on Apr 23, 2026. The company reported $0.89 earnings per share for the quarter, beating the consensus estimate of $0.85 by $0.04.
Is United Bankshares overvalued?
According to Wall Street analysts United Bankshares’s price is currently Undervalued.
Does United Bankshares pay dividends?
United Bankshares pays a Quarterly dividend of $0.38 which represents an annual dividend yield of 3.77%. See more information on United Bankshares dividends here
What is United Bankshares’s EPS estimate?
United Bankshares’s EPS estimate is 0.89.
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 $0.89 in its last earnings report, beating expectations of $0.85. Following the earnings report the stock price went up 1.199%.
Which hedge fund is a major shareholder of United Bankshares?
Currently, no hedge funds are holding shares in UBSI
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:
$48.00 (8.38% Upside)
$48.00 (8.38% Upside)
Blogger Sentiment
Bullish
UBSI Sentiment 70%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 58.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 0.1%
Last 30 Days ▼ 0.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.81%
12-Months-Change
Fundamentals
Return on Equity
9.26%
Trailing 12-Months
Asset Growth
2.80%
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.
UBSI Stock 12 Month Forecast
Average Price Target
$48.00
▲(8.38% Upside)
Technical Analysis
Ownership Overview
2.27% Insiders
21.81% Mutual Funds
0.13% Other Institutional Investors
41.88% Public Companies and
Individual Investors