United Bankshares (UBSI) Stock Price, News & Analysis

Company Overview

United Bankshares, Inc. (NASDAQ: UBSI) is a bank holding company headquartered in Charleston, West Virginia, that provides a broad range of commercial and retail banking services. Through its primary subsidiary, United Bank, the company offers deposit products, including checking and savings accounts, certificates of deposit, and money market accounts. It also provides lending solutions such as commercial real estate loans, construction financing, equipment leasing, and consumer loans to individuals, small businesses, and corporate clients.

In addition to traditional banking activities, United Bankshares delivers wealth management, trust, and brokerage services. Its subsidiary, United Capital Management, offers investment advisory services, retirement planning, and fiduciary solutions. The company further complements its financial offerings through insurance operations, providing both personal and commercial lines coverage, risk management consultation, and employee benefits packages.

Tracing its roots to the 19th century with the establishment of the Bank of Buckhannon in 1839, United Bankshares was formed in 1987 to consolidate and expand banking operations across the Mid-Atlantic region. Over the decades, it has pursued a disciplined growth strategy, acquiring community banks in West Virginia, Virginia, Maryland, Ohio, Pennsylvania, North Carolina, and the District of Columbia. These acquisitions have allowed United Bankshares to build a diversified franchise while maintaining a focus on local decision-making and community involvement.

Under the leadership of President and Chief Executive Officer Thomas P. Still, United Bankshares emphasizes personalized client relationships and local market expertise. The executive team and board of directors bring extensive experience in banking, finance, and community development. By combining a regional footprint with a commitment to service, the company continues to support economic growth and financial well-being in the communities it serves.

Key Stats

• Today's Range: $38.13 to $38.63
• 50-Day Range: $34.20 to $38.41
• 52-Week Range: $30.51 to $44.43
• Volume: 568,118 shs
• Average Volume: 662,619 shs
• Market Capitalization: $5.46 billion
• P/E Ratio: 14.28
• Dividend Yield: 3.85%
• Price Target: $40.63
• Consensus Rating: Hold

United Bankshares Stock Analysis - MarketRank™

United Bankshares scored higher than 64% of companies evaluated by MarketBeat, and ranked 476th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

United Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

United Bankshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.61%

Earnings Growth

Earnings for United Bankshares are expected to grow by 9.61% in the coming year, from $2.81 to $3.08 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bankshares is 14.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bankshares is 14.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

United Bankshares has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.69% of the float of United Bankshares has been sold short.

Short Interest Ratio / Days to Cover

United Bankshares has a short interest ratio ("days to cover") of 4.6.

Change versus previous month

Short interest in United Bankshares has recently increased by 17.89%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bankshares is a leading dividend payer. It pays a dividend yield of 3.85%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Bankshares has been increasing its dividend for 26 years.

Dividend Coverage

The dividend payout ratio of United Bankshares is 55.02%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, United Bankshares will have a dividend payout ratio of 48.05% next year. This indicates that United Bankshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.69% of the float of United Bankshares has been sold short.

Short Interest Ratio / Days to Cover

United Bankshares has a short interest ratio ("days to cover") of 4.6.

Change versus previous month

Short interest in United Bankshares has recently increased by 17.89%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.30

News Sentiment

United Bankshares has a news sentiment score of 1.30. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for United Bankshares this week, compared to 5 articles on an average week.

Search Interest

1 people have searched for UBSI on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.46% of the stock of United Bankshares is held by insiders.

Percentage Held by Institutions

70.80% of the stock of United Bankshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UBSI Stock Analysis - Frequently Asked Questions

How have UBSI shares performed this year?

United Bankshares' stock was trading at $37.55 on January 1st, 2025. Since then, UBSI stock has increased by 2.3% and is now trading at $38.4050.

How were United Bankshares' earnings last quarter?

United Bankshares, Inc. (NASDAQ:UBSI) posted its quarterly earnings data on Thursday, April, 24th. The financial services provider reported $0.59 earnings per share for the quarter, missing analysts' consensus estimates of $0.66 by $0.07. The firm's quarterly revenue was up 13.7% on a year-over-year basis.

Does United Bankshares have any subsidiaries?

United Bankshares subsidiaries include these companies: Carolina Financial.

How do I buy shares of United Bankshares?

Shares of UBSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Bankshares investors own include American Water Works (AWK), Waste Connections (WCN), AU Optronics (AUOTY), Humana (HUM), DiamondRock Hospitality (DRH), The RMR Group (RMR) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UBSI
• CIK: 729986
• Web: www.ubsi-inc.com
• Phone: (304) 424-8716
• Fax: 304-424-8800
• Employees: 2,553
• Year Founded: 1982

Price Target and Rating

• Average Stock Price Target: $40.63
• High Stock Price Target: $43.00
• Low Stock Price Target: $38.50
• Potential Upside/Downside: +5.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.69
• Trailing P/E Ratio: 14.28
• Forward P/E Ratio: 13.67
• P/E Growth: N/A
• Net Income: $373 million
• Net Margins: 22.35%
• Pretax Margin: 27.95%
• Return on Equity: 7.36%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $1.63 billion
• Price / Sales: 3.36
• Cash Flow: $2.95 per share
• Price / Cash Flow: 13.03
• Book Value: $36.93 per share
• Price / Book: 1.04

Miscellaneous

• Outstanding Shares: 142,060,000
• Free Float: 137,145,000
• Market Cap: $5.46 billion
• Optionable: Optionable
• Beta: 0.76