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United Bankshares, Inc.
UBSI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $6.5B
$46.10
▼ -1.78%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$34.10 - $47.25
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 23.4% 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
2 risks
- Low volatility (beta 0.7).
- Premium valuation to Commercial Banking peers
Growth
Revenue decline expected
Rising interest rate environment expanding net interest margins on loan portfolio and deposit spreads
Value
Premium valuation to Commercial Banking peers
Momentum
Strong
+12.1% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
Solid
3.22% 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: Jul 23, 2026
APR 23, 2026
Reported EPS of $0.89 vs $0.85 consensus (+4.7% surprise). Revenue of $316.6M vs $315.2M expected (+0.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+4.7%
Next: Jul 23, 2026
Revenue trend · last 8Q
—
—
-0%
+14%
+20%
+24%
+77%
+55%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$254.3M
$261.2M
$261.0M
$289.0M
$452.1M
$474.9M
$461.0M
$447.5M
Margins · last 8Q
Gross
—
Operating
—
Profit
27.8%
Wall Street consensus
4 analysts · 25% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
25%
Hold
75%
Sell
0%
Median Price Target
$49.00
▲ +6.3% vs $46.10
Latest: Raymond James · Jul 1, 2026
1 analyst covering