United Bankshares (UBSI) Stock Price, News & Analysis

Company Overview

United Bankshares, Inc. is a bank holding company whose principal subsidiary, United Bank, provides commercial and consumer banking services. Its offerings include deposit accounts, business and personal loans, mortgage lending, and online and mobile banking, as well as wealth management and trust services.

Based in Charleston, West Virginia, United Bankshares serves customers through branches and other banking channels across the Mid-Atlantic and parts of the Southeast, including West Virginia, Virginia, Maryland, Washington, D.C., Ohio, Pennsylvania, and North Carolina.

The company has expanded its regional presence over time through acquisitions, including its 2020 acquisition of Carolina Financial Corporation. Its business combines community banking with services for businesses, individuals, and organizations across its markets.

Key Stats

• Today's Range: $47.99 to $48.72
• 50-Day Range: $45.34 to $49.31
• 52-Week Range: $34.68 to $50.47
• Volume: 791,058 shs
• Average Volume: 876,319 shs
• Market Capitalization: $6.48 billion
• P/E Ratio: 13.17
• Dividend Yield: 3.15%
• Price Target: $49.20
• Consensus Rating: Hold

United Bankshares Stock Analysis - MarketRank™

United Bankshares scored higher than 74% of companies evaluated by MarketBeat, and ranked 435th out of 852 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: 1.8 / 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 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.35%

Earnings Growth

Earnings for United Bankshares are expected to grow by 5.35% in the coming year, from $3.74 to $3.94 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bankshares is 13.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.57.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bankshares is 13.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.35.

Price to Book Value per Share Ratio

United Bankshares has a P/B Ratio of 1.20. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.65% 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 7.71.

Change versus previous month

Short interest in United Bankshares has recently decreased by 9.86%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

United Bankshares pays a meaningful dividend of 3.15%, 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 41.19%. 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 38.58% next year. This indicates that United Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.86

News Sentiment

United Bankshares has a news sentiment score of 0.86. 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 0.65 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.

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

• Record date for 10/1 Dividend: 9/11/2026
• Ex-Dividend for 10/1 Dividend: 9/11/2026
• Dividend Payable: 10/01/2026
• Last Earnings: 10/22/2026
• Today: 11/11/2026
• Fiscal Year End: 12/31/2026
• Next Earnings (Estimated): 1/28/2027

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: $49.20
• High Price Target: $54.00
• Low Price Target: $44.00
• Potential Upside/Downside: +2.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.43
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.69
• Trailing P/E Ratio: 13.06
• Forward P/E Ratio: 12.23
• P/E Growth: N/A
• Net Income: $464.60 million
• Net Margins: 28.03%
• Pretax Margin: 35.09%
• Return on Equity: 9.37%
• Return on Assets: 1.52%

Debt

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

Sales & Book Value

• Annual Sales: $1.28 billion
• Price / Sales: 5.12
• Cash Flow: $3.27 per share
• Price / Cash Flow: 14.74
• Book Value: $40.25 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 136,213,000
• Free Float: 131,909,000
• Market Cap: $6.56 billion
• Optionable: Optionable
• Beta: 0.73