UBSI logo

UNITED BANKSHARES INC

UBSINASDAQ
πŸ† #976 by market capEarnings Oct 21US Equity
$48.50β–² $0.46 (+0.94%)
Market closed Β· at close
1hβ€”
24hβ–² 0.9%
7dβ–Ό 1.2%
14dβ–Ό 0.8%
30dβ–² 5.1%
1yβ–² 30.8%
🏦Market Cap
$6.64B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+50.6%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
33.3%
Strong
βš–οΈP/S Ratio
4.2x
Fair
Otter Score
47
Weak

Trading Snapshot

Day Range
$48.19 – $48.71
52-Week Range
$34.10 – $49.62
Volume
$2.71B
Avg Volume
$1.81B
Shares Outstanding
136.9M
Next Earnings
Oct 21, 2026

Fundamentals Snapshot

Annual Revenue
$1.82B
Last Q Revenue
$418M
P/E Ratio
12.8
P/S Ratio
4.2x
EPS (TTM)
$3.67
Dividend Yield
3.22%

Why Investors Own UBSI

  • βœ“High-growth profile β€” revenue up +21.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 52% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$1.82Bβ–² +21.0% YoY
Gross Margin (TTM)
51.7%β–² +2.9% YoY
Operating Income (TTM)
$397Mβ–² +21.0% YoY
Free Cash Flow (TTM)
$117Mβ–² +21.0% YoY

About UNITED BANKSHARES INC

Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
47/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy2
Buy5
Hold5
Sell0
Strong Sell0
Ratings as of Aug 2026

Latest News & Updates

YahooΒ·10d ago

1 Unpopular Stock That Deserves Some Love and 2 Facing Headwinds

When Wall Street turns bearish on a stock, it’s worth paying attention. These calls stand out because analysts rarely issue grim ratings on companies for fear their firms will lose out in other business lines such as M&A advisory.

YahooΒ·14d ago

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? Let's find out.

YahooΒ·15d ago

United Bankshares (UBSI) Upgraded to Buy: Here's Why

United Bankshares (UBSI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

πŸš€
BenzingaΒ·15d ago

Keefe, Bruyette & Woods Maintains Market Perform on United Bankshares, Raises Price Target to $48

Keefe, Bruyette & Woods analyst Catherine Mealor maintains United Bankshares (NASDAQ:UBSI) with a Market Perform and raises the price target from $46 to $48.

SeekingAlphaΒ·16d ago

Best Dividend Kings: July 2026

Dividend Kings beat SPY in JuneҀ“July, reclaiming a YTD lead.

YahooΒ·18d ago

Is United Bankshares (UBSI) Undervalued Following Its Q2 Earnings And Buyback Completion?

United Bankshares (UBSI) is in focus after reporting second quarter 2026 results, with net income of US$131.38 million and lower net charge offs, along with the completion of a multi quarter share repurchase program. See our latest analysis for United Bankshares. The latest earnings, lower net charge offs and completion of the buyback program come as United Bankshares trades at US$47.36, with a year to date share price return of 23.37% and a 1 year total shareholder return of 34.40%. This...