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UBSIUnited Bankshares, Inc.
$46.53$6.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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UBSI logo

United Bankshares, Inc.

UBSI
NASDAQ · Regional Banks
$46.53
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$6.41B
P/E14.2x
52W High$49.62
Volume1.23M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

NII Growth Accelerates Amid CRE Risk

United Bankshares is executing a growth strategy driven by acquisitions and organic loan expansion, with net interest income up 23.6% year-over-year in 2025Q4 and total assets growing 12.7% to $33.8B. The bank maintains a low-cost deposit franchise and strong ...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

UBSI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 69 · Avg

Average momentum (RS Rating: 69)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 23

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UBSI+24.17%
S&P 500 (^GSPC)+13.20%
1-Year Return
UBSI+29.34%
S&P 500 (^GSPC)+15.98%
3-Year Return
UBSI+90.76%
S&P 500 (^GSPC)+79.61%
5-Year Return
UBSI+65.31%
S&P 500 (^GSPC)+73.43%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
14.1x
Forward P/EExpansion
12.5x
EV/EBITDA60th %ile
8.0x
FCF YieldCash Flow
7.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
14.1x
13.7x
80th· High
EV/EBITDA
8.0x
7.6x
60th· Fair
Price/FCF
13.2x
11.3x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$19.34-58.4%
Base (Fair)$37.10-21.2%
Bull$59.53+27.9%
$19.34 Bear$37.10 Base$59.53 Bull
Current Market Price: $46.53
Trades at a 25.4% premium to Base DCF ($37.10)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.24B+20.1% YoY
Net income
$465M+24.6% YoY
Free cash flow
$481M+11.0% YoY
Operating margin
32.4%+3.8 pts YoY
ROIC (TTM)7.2%
Avg ROIC 5Y-
ROE (TTM)8.9%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$0.95+7.1%
vs $0.89
$324M+1.2%
vs $320M
Q2 2026
Apr 23, 2026
$0.89+4.7%
vs $0.85
$317M+0.4%
vs $315M
Q1 2026
Jan 23, 2026
$0.69-19.8%
vs $0.86
$318M+0.9%
vs $316M
Q1 2026
Jan 22, 2026
$0.91+5.8%
vs $0.86
$318M+0.9%
vs $316M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 16, 2026
United Bankshares (UBSI) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Bankshares (UBSI) have what it takes?

The Motley Fool·Sep 10, 2026
United Bankshares Director Sells 3,200 Shares for $148,544

The transaction, conducted on Sept. 1, was valued at $148,544.

Defense World·Sep 1, 2026
Canada Pension Plan Investment Board Buys Shares of 33,100 United Bankshares, Inc. $UBSI

Canada Pension Plan Investment Board bought a new position in United Bankshares, Inc. (NASDAQ: UBSI) during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor bought 33,100 shares of the financial services provider's stock, valued at approximately $1,161,000. A number of other hedge funds

GuruFocus·Aug 24, 2026
United Bankshares Declares Third Quarter Dividend and Announces New Stock Repurchase Program

United Bankshares, Inc. (the “Company” or “United”) announced that at its August 24, 2026 board meeting, the Board of Directors declared a third quarter

Filtered for United Bankshares, Inc.More Headlines
04

Compare before deciding

Benchmark UBSI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for United Bankshares, Inc. (UBSI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UBSI logoUBSIUnited Bankshares, Inc.Current
$46.53$6.41B14.2320.13%25.52%8.86%3.19%
WSFS logoWSFSWSFS Financial Corporation
$76.89$4B15.112.08%29.27%11.78%—
FULT logoFULTFulton Financial Corporation
$23.02$4.4B11.0711.19%20.71%11.15%—
UMBF logoUMBFUMB Financial Corporation
$134.21$10.2B14.70101.23%20.67%12.17%—
IBOC logoIBOCInternational Bancshares Corporation
$69.75$4.34B10.540.74%38.81%12.67%—
SFNC logoSFNCSimmons First National Corporation
$22.50$3.26B-7.63-86.6%-63.53%-10.51%—

Compare UBSI vs Peers

United Bankshares, Inc. (UBSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WSFS

Most directly comparable listed peer for UBSI.

Scale Benchmark

vs V

Larger-name benchmark to compare UBSI against a more recognizable public peer.

Peer Set

Compare Top 5

vs WSFS, FULT, UMBF, IBOC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

UBSI SEC Filings & Documents

United Bankshares, Inc. (UBSI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 23, 2026·SEC

Material company update

May 18, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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UBSI Frequently Asked Questions

United Bankshares, Inc. (UBSI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is United Bankshares, Inc. growing?

United Bankshares, Inc. (UBSI) grew revenue by 20.1% over the past year. This is strong growth.

Is UBSI profitable?

Yes, United Bankshares, Inc. (UBSI) is profitable, generating $508.6M in net income for fiscal year 2025 (25.5% net margin).

Dividend & Returns
Does UBSI pay dividends?

Yes, United Bankshares, Inc. (UBSI) pays a dividend with a yield of 3.19%. This makes it attractive for income-focused investors.

What is UBSI's return on equity?

United Bankshares, Inc. (UBSI) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.

Industry Metrics
What is United Bankshares, Inc.'s net interest margin?

United Bankshares, Inc. (UBSI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is United Bankshares, Inc.'s efficiency ratio?

United Bankshares, Inc. (UBSI) has an efficiency ratio of 32.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UBSI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →