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UBSIUnited Bankshares, Inc.
$41.23
Analysis updated: Jan 16, 2026

Investment Thesis

UBSI is a market laggard (RS 58/99, Top 42%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

Weak relative strength + ordinary growth = Pass

Key Takeaways

Earnings Momentum

+19%
Q4'24
$0.70
-8%
Q1'25
$0.59
+20%
Q2'25
$0.85
+31%
Q3'25
$0.92
Earnings Growing

Price Structure

Aligned Uptrend
Price
$41.23
50 DMA
$38.27
100 DMA
$37.64
150 DMA
$37.31
200 DMA
$36.73
Alignment Score: 4/4✓ Confirmed Uptrend

UBSI Price Chart

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50 DMA150 DMA200 DMA
LEADERSHIP TEST FAILED

RS Rating 58/99 is in Bottom 58% of market. Minervini target: Top 20% (RS 80+)

Why Not BUY Yet?

RS Rating
58 (Top 42%)>80 (Top 20%)
Pattern Stage
AT_PIVOTAt pivot or near breakout

What Would Change Our Mind?

To turn bullish on UBSI, we need:

Twin Engines Dashboard

Technical Health

RS Rating
58/99
Top 42% (Need 80+)
Trend
Aligned Uptrend
Above 200 DMA
RSI (14)
63
BULLISH
VCP Setup
COOL
Score: 5/9
Volume
836K
+10% vs avg
From Entry
+2.4%
$40.27

Fundamental Horsepower

EPS Qtr YoY
+31%
Accelerating
EPS 3Y CAGR
-1%
Annual Earnings
Revenue Qtr
N/A
NO DATA
F-Score
6/9
Piotroski Quality
ROE
8%
Return on Equity
EPS Rank
54/99
Percentile

Trade Plan

Running

Broke out 1 month ago — now +2.4% from entry.

Trail stop at $40.27 (21 EMA or entry). Add on pullback to $40.09 - $39.59 (10-21 EMA).

Breakout Date2025-12-1730 days ago
Entry Price$40.27+2.4% since
Pullback Zone$40.09 - $39.59 (10-21 EMA)Re-entry levels
Trail Stop$40.27Breakeven or 21 EMA
Breakout Quality5/10Normal volume

If/Then Playbook

IF: RS Rating improves to >80
THEN: Re-evaluate for WATCHLIST
IF: Price closes below 200 DMA
THEN: Remove from radar entirely
IF: EPS growth accelerates to >40% next quarter
THEN: Reassess as potential turnaround

Key Price Levels

Resistance

  • 52W High$41.53+0.7%
  • Pivot$41.53+0.7%
Current$41.23

Support

  • 20 DMA$39.68-3.7%
  • 50 DMA$38.27-7.2%
  • 200 DMA$36.73-10.9%

Frequently Asked Questions

Is UBSI stock a buy now?

UBSI is a market laggard (RS 58/99, Top 42%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

What is the buy point for UBSI?

UBSI broke out at $40.27 recently and is up 2.4%. Still early - monitor for follow-through confirmation.

What is UBSI's RS Rating?

UBSI has an RS Rating of 58/99, meaning it's in the Top 42% of all stocks for relative price performance over the past 12 months. Minervini recommends RS 80+ for momentum trades.

Important Disclosure: This analysis is for educational and informational purposes only. Technical and fundamental indicators are based on historical data and do not guarantee future performance. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.