United Bankshares (UBSI) Stock Price, News & Analysis

Company Overview

United Bankshares, Inc. is a bank holding company headquartered in Charleston, West Virginia. Through its principal banking subsidiary, United Bank, the company provides community banking services to individuals, businesses and institutions.

United Bank offers a range of financial products, including checking and savings accounts, certificates of deposit, residential and commercial real estate loans, consumer lending, business loans and lines of credit. Its services also include mortgage banking, treasury management, wealth management, trust and investment services, and insurance-related products.

The company traces its history to 1839 and has expanded through organic growth and bank acquisitions. United Bank serves customers through a branch network and digital banking platforms across markets in the Mid-Atlantic and Southeastern United States, including West Virginia, Virginia, Ohio, Maryland, Pennsylvania, Washington, D.C., North Carolina and Georgia.

Richard M. Adams serves as chairman and chief executive officer of United Bankshares. The company’s common stock trades on the Nasdaq Global Select Market under the symbol UBSI.

Key Stats

• Today's Range: $46.32 to $47.11
• 50-Day Range: $45.94 to $49.37
• 52-Week Range: $34.10 to $49.62
• Volume: 1.31 million shs
• Average Volume: 1.13 million shs
• Market Capitalization: $6.32 billion
• P/E Ratio: 12.65
• Dividend Yield: 3.27%
• Price Target: $47.80
• Consensus Rating: Hold

United Bankshares Stock Analysis - MarketRank™

United Bankshares scored higher than 72% of companies evaluated by MarketBeat, and ranked 411th out of 839 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: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

United Bankshares has received a consensus rating of Hold. The company's average rating score is 2.43, and is based on no strong buy ratings, 3 buy ratings, 4 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for United Bankshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

United Bankshares has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.30%

Earnings Growth

Earnings for United Bankshares are expected to grow by 4.30% in the coming year, from $3.72 to $3.88 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bankshares is 12.65, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 42.25.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bankshares is 12.65, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.64.

Price to Book Value per Share Ratio

United Bankshares has a P/B Ratio of 1.19. 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

4.68% 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 7.

Change versus previous month

Short interest in United Bankshares has recently increased by 10.31%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

United Bankshares pays a meaningful dividend of 3.28%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Bankshares has been increasing its dividend for 26 years.

Dividend Coverage

The dividend payout ratio of United Bankshares is 41.42%. 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 39.18% next year. This indicates that United Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.9 / 5
• News Sentiment: 1.21

News Sentiment

United Bankshares has a news sentiment score of 1.21. 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 0.60 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for United Bankshares this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added United Bankshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, United Bankshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $148,544.00 in company stock.

Percentage Held by Insiders

3.16% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 10/1 Dividend: 9/11/2026
• Ex-Dividend for 10/1 Dividend: 9/11/2026
• Dividend Payable: 10/01/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UBSI
• CIK: 729986
• Web: www.ubsi-inc.com
• Phone: (304) 424-8800
• Fax: 304-424-8800
• Employees: 2,694
• Year Founded: 1982

Price Target and Rating

• Average Price Target for United Bankshares: $47.80
• High Price Target: $50.00
• Low Price Target: $44.00
• Potential Upside/Downside: +3.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.43
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.67
• Trailing P/E Ratio: 12.65
• Forward P/E Ratio: 12.48
• P/E Growth: N/A
• Net Income: $464.60 million
• Net Margins: 27.97%
• Pretax Margin: 34.99%
• Return on Equity: 9.39%
• Return on Assets: 1.53%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.98
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $1.28 billion
• Price / Sales: 4.94
• Cash Flow: $3.27 per share
• Price / Cash Flow: 14.21
• Book Value: $39.14 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 136,213,000
• Free Float: 131,909,000
• Market Cap: $6.32 billion
• Optionable: Optionable
• Beta: 0.72