United Bankshares, Inc.
UBSI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $6.6B
$47.83
▲ +0.50%
P/E
13.07
Mkt Cap
$6.6B
52-Wk Range
$34.10–$49.62
52-Week Range
$34.10 - $49.62
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 25.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Extensive regional branch network with 250 offices across nine states providing local market presence and customer relationships
- Diversified revenue streams from community banking, mortgage banking, and correspondent services reducing reliance on single business line
- Established market position in Mid-Atlantic and Southeast regions with deep community banking expertise and customer loyalty
- Comprehensive product suite enabling cross-selling opportunities and customer wallet share expansion
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Rising interest rate environment expanding net interest margins on loan portfolio and deposit spreads
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+8.9% over 3m
Quality
Excellent
Excellent business quality
Dividend
Solid
3.16% yield
Smart-money signal
Who's buying UBSI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $0.95 vs $0.89 consensus (+7.1% surprise). Revenue of $323.8M vs $320.1M expected (+1.2%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+7.1%
Revenue trend · last 8Q
—
-0%
+14%
+20%
+24%
+77%
+55%
-7%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$261.2M
$261.0M
$289.0M
$452.1M
$474.9M
$461.0M
$447.5M
$418.2M
Margins · last 8Q
Gross
68.2%
Operating
30.0%
Profit
31.4%
Wall Street consensus
2 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: Raymond James · Jul 1, 2026
vs Industry
How UBSI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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