United Bankshares, Inc. (UBSI) Stock: Price, Forecast & Analyst Target
United Bankshares, Inc. (UBSI) — MoonshotScore 91/100 (Exceptional band), calculated Oct 6, 2026. Price $46.43 (-1.30%), as of the Oct 5, 2026 trading session; market cap $6.40B. Expected results Oct 22, 2026.
Educational signal · not a buy or sell recommendation · How to read this
United Bankshares, Inc. · UBSI · NASDAQ · Financial Services · Banks - Regional
Research dated 2026-09-13: United Bankshares operates an extensive regional banking network focused on the Mid-Atlantic and Southeast. While conventionally viewed as a traditional community lender, a major portion of its revenue actually flows from specialized fiduciary and trust operations alongside its core deposit accounts. The central tension for investors is whether the institution can maintain its recent streak of earnings beats while absorbing elevated operating costs across its branch footprint.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · United Bankshares (UBSI)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and durable growth, at a dirt-cheap price, though the balance sheet is only decent; the market is already moving on it. Business Quality: Elite; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Growing; Momentum: Rising.
- quarterly revenue $418M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 0.53 · Piotroski F 8
Helping: business quality, an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 86 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional |
The score moved from 92 in the stored Oct 5, 2026 snapshot to 91 in the current publication computed Oct 6, 2026 (-1); the largest pillar moves were Momentum -4. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $46.43 | |
| Change on the day | -1.30% | |
| 52-week range | $34.10–$49.62 | |
| Market capitalisation | $6.40B | |
| Price / earnings (trailing) | 12.65 | |
| Shares traded on the day | 1.31M | |
| Beta (volatility vs the S&P 500) | 0.72 | |
| Dividends per share (last 12 months) | $1.52 | |
| Dividend yield (last 12 months) | 3.23% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for United Bankshares (UBSI): Strongly Bullish
79/100 · ACouncil is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 5 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 6, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the UBSI film — every key number, told as a short cinematic story
~2 min · open the film
What is United Bankshares (UBSI), and what does it report?
Short answer · as of
The institution generates income through a classic spread model, taking in retail deposits and lending out capital for commercial real estate and business operations.
Research dated 2026-09-13.
The institution generates income through a classic spread model, taking in retail deposits and lending out capital for commercial real estate and business operations. However, looking strictly at loan volume misses a vital pillar of the enterprise.
Fiduciary and trust services generate more revenue than mortgage banking and credit cards combined, providing a fee-based cushion that insulates the balance sheet from pure interest rate volatility. Reported revenue ultimately measures the spread captured by the community banking arm plus the steady fees collected by wealth management professionals.
What do the latest results show for United Bankshares (UBSI)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $418M.
Research dated 2026-09-13.
The latest reporting period delivered top-line and bottom-line results that comfortably cleared Wall Street projections. This outperformance materialized despite a notable increase in selling, general, and administrative expenses during the quarter.
The underlying mechanism reveals that the bank successfully widened its gross profit intake enough to completely absorb those rising overhead costs, allowing the excess to fall directly to net income.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $418.20M Jun 30, 2026
- Latest quarter · net income
- $131.38M Jun 30, 2026
- Latest quarter · EPS
- $0.9400 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $418.20M | $131.38M | $0.9400 (diluted) |
| Mar 31, 2026 | $447.55M | $124.20M | $0.8900 (diluted) |
| Dec 31, 2025 | $460.99M | $128.83M | $0.9100 (diluted) |
| Sep 30, 2025 | $474.94M | $130.75M | $0.9200 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $323.82M Jul 23, 2026
- Latest report · revenue estimate
- $320.07M Jul 23, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 23, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 23, 2026 | $323.82M | $320.07M | $0.9500 | $0.8870 |
| Apr 23, 2026 | $316.58M | $315.20M | $0.8900 | $0.8500 |
| Jan 22, 2026 | $318.39M | $315.60M | $0.9100 | $0.8600 |
| Oct 23, 2025 | $324.10M | $309.06M | $0.9200 | $0.8120 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $418M | $131M | $0.94 (diluted) |
| Q1 FY2026 | $448M | $124M | $0.89 (diluted) |
| Q4 FY2025 | $461M | $129M | $0.91 (diluted) |
| Q3 FY2025 | $475M | $131M | $0.92 (diluted) |
What are the financial strengths and risks for United Bankshares (UBSI)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, durable growth, positive momentum as strengths.
Research dated 2026-09-13.
Balance sheet liquidity stands as a primary structural defense, with cash and short-term investments eclipsing total debt obligations by a wide margin. Operating cash flow remains consistently positive, easily funding the modest capital expenditures required to maintain the physical branch network.
The specific vulnerability lies within the commercial real estate portfolio; a regional economic downturn in the Mid-Atlantic could force sudden loan loss provisions, impairing the otherwise pristine asset base.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $105.16M Jun 30, 2026
- Previous quarter · operating cash flow
- $160.86M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $105.16M | Provider sign conflict |
| Mar 31, 2026 | $160.86M | −$4.84M |
| Dec 31, 2025 | $138.92M | −$11.96M |
| Sep 30, 2025 | $150.64M | $8.06M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at United Bankshares (UBSI)?
Short answer · as of
The next earnings report is expected on Oct 22, 2026.
Research dated 2026-09-13.
Analysts universally project both revenue and earnings expansion for the upcoming fiscal years, setting a demanding baseline for future operational execution. The next earnings release must demonstrate that the recent spike in administrative costs was temporary rather than a permanent structural burden.
Investors will also monitor the dividend declaration cycle, as the steady payout schedule remains a crucial component of the total return proposition.
How does United Bankshares compare with its peers?
Short answer
United Bankshares's score ranks tied for 5th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Most regional peers rely almost exclusively on local deposit-taking and mortgage origination, leaving them entirely captive to housing market cycles. This bank distinguishes itself through a heavily entrenched trust and wealth management division, creating a diversified revenue stream that many community lenders lack.
Furthermore, the heavy institutional ownership concentration suggests large asset managers view the firm as a reliable yield vehicle rather than a speculative growth asset.
| Company | Price | Market value | Score |
|---|---|---|---|
| $54.40 Oct 5, 2026 | $6.04B | 96 5-pillar Oct 6, 2026 | |
| $63.28 Oct 5, 2026 | $9.24B | 94 5-pillar Oct 6, 2026 | |
| $60.48 Oct 5, 2026 | $4.07B | 94 5-pillar Oct 6, 2026 | |
| $27.10 Oct 5, 2026 | $4.14B | 93 5-pillar Oct 6, 2026 | |
| United Bankshares (UBSI) — this page | $46.43 | $6.40B | 91 |
| $25.02 Oct 5, 2026 | $4.13B | 91 5-pillar Oct 6, 2026 | |
| $37.75 Oct 5, 2026 | $3.63B | 90 5-pillar Oct 6, 2026 | |
| $33.81 Oct 5, 2026 | $4.05B | 89 5-pillar Oct 6, 2026 | |
| $158.82 Oct 5, 2026 | $10.1B | 89 5-pillar Oct 6, 2026 | |
| $4.95 Oct 5, 2026 | $5.88B | 88 5-pillar Oct 6, 2026 | |
| $46.59 Oct 5, 2026 | $5.09B | 85 5-pillar Oct 6, 2026 | |
| $28.84 Oct 5, 2026 | $8.16B | 79 5-pillar Oct 6, 2026 | |
| $17.40 Oct 5, 2026 | $6.19B | 77 5-pillar Oct 6, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $49.00 – $50.00
- Consensus target
- $49.50
- Median target
- $49.50
Consensus record · Captured .
Measured against a quoted price of $46.43 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Oct 1, 2026
- Transactions
- 8
- Identified insiders
- 2
- Purchases
- 7
- Sales
- 1
- Other transactions
- 0
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 75.0% Period end Jun 30, 2026
- Previous quarter · ownership
- 71.8% Prior to period end Jun 30, 2026
- Reporting holders
- 455 Period end Jun 30, 2026
- Previous quarter · holders
- 421 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 20,187,911 |
| State Street Corp | 8,640,931 |
| Dimensional Fund Advisors LP | 7,691,387 |
| Vanguard Portfolio Management LLC | 7,280,922 |
| Vanguard Capital Management LLC | 6,246,820 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about United Bankshares (UBSI)?
What Investors Ask About United Bankshares (UBSI) — Financial Services
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does the fiduciary and trust division affect the risk profile?
Wealth management and trust operations provide a distinct stream of fee income that does not depend on borrowing spreads. This setup stabilizes total earnings when lending demand slows or borrowing costs rise.
What dictates the fluctuations in administrative costs?
Managing a vast network of physical branches across multiple states inherently demands heavy personnel and real estate outlays. Recent quarters show these overhead costs can surge unexpectedly, directly testing the ability of the community banking segment to outpace its own operating expenses.
Is the dividend payout sufficiently covered by cash reserves?
The current liquidity position vastly outweighs total debt, leaving immense headroom for capital returns. Operating cash flows consistently replenish the treasury, ensuring the scheduled distributions to shareholders draw from actual earnings rather than emergency borrowing.
How heavily do institutional asset managers influence the shareholder base?
Passive funds and major asset management conglomerates control a commanding supermajority of the outstanding equity. This heavy concentration typically compresses everyday price volatility, as these entities tend to hold their positions for long-term yield rather than executing rapid trading strategies.
What is the UBSI stock price today?
The last price recorded on this page for United Bankshares, Inc. (UBSI) is $46.43, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the UBSI price target?
The analyst consensus price target for United Bankshares, Inc. (UBSI) is $49.50 (range $49.00 to $50.00, median $49.50), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (72 figures)
The 72 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | 300 United CTR, 500 Virginia ST E, Charleston, WV, 25301 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "300 United Center, Charleston, WV, 25301, US". |
FMP — 63 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $46.43 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-06T09:44:24.115Z. | |
px.change | Change on the day | -1.30% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $6.40B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:00.000Z. Captured from FMP at 2026-10-06T09:44:22.428Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 22, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | −$0.61 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $418M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $34.10–$49.62 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 12.65 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.31M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.72 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Richard Matthew Adams Jr. | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 2,694 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.06B, net result $367.74M; FY2022 revenue $1.15B, net result $379.63M; FY2023 revenue $1.53B, net result $366.31M; FY2024 revenue $1.62B, net result $373.00M; FY2025 revenue $1.82B, net result $464.60M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Credit Card $7.91M · Service, Other $19.76M · Deposit Account $38.99M · Mortgage Banking $9.57M · Fiduciary and Trust $22.73M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $418.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $131.38M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $0.9400 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $447.55M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $124.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $0.8900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $460.99M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $128.83M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $0.9100 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $474.94M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $130.75M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $0.9200 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-23.revenue_actual | Revenue · reported — report date 2026-07-23 | $323.82M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.revenue_estimated | Revenue · estimate — report date 2026-07-23 | $320.07M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_actual | EPS · reported — report date 2026-07-23 | $0.9500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_estimated | EPS · estimate — report date 2026-07-23 | $0.8870 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $316.58M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $315.20M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $0.8900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $0.8500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_actual | Revenue · reported — report date 2026-01-22 | $318.39M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_estimated | Revenue · estimate — report date 2026-01-22 | $315.60M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_actual | EPS · reported — report date 2026-01-22 | $0.9100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_estimated | EPS · estimate — report date 2026-01-22 | $0.8600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $324.10M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $309.06M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $0.9200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $0.8120 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $105.16M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $160.86M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$4.84M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $138.92M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$11.96M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $150.64M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | $8.06M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $49.00 – $50.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $49.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $49.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 8 transactions · 7 purchases, 1 sales, 0 other transactions · 2 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Oct 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 75.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 71.8% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 455 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 421 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 20,187,911 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | State Street Corp — shares in provider snapshot | 8,640,931 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Dimensional Fund Advisors LP — shares in provider snapshot | 7,691,387 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 7,280,922 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 6,246,820 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-30 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.53 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.52 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 3.23% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-23.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($323.82M) with the recorded estimate ($320.07M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-23.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.9500) with the recorded estimate ($0.8870) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 91 of 100 · Exceptional · pillars 85 / 65 / 90 / 70 / 79 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 92 (stored snapshot Oct 5, 2026) → 91 (current publication computed Oct 6, 2026) (-1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-23. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,earn.history.depth.2026-07-23.revenue_actual.comparison,earn.history.depth.2026-07-23.eps_actual.comparison,earn.history.depth.2026-07-23.eps_actual,earn.history.depth.2026-07-23.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-01-22.revenue_actual,earn.history.depth.2026-01-22.revenue_estimated,earn.history.depth.2026-01-22.eps_actual,earn.history.depth.2026-01-22.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Credit Card: $7.91M; Service, Other: $19.76M; Deposit Account: 38,995,000; Mortgage Banking: $9.57M; Fiduciary and Trust: $22.73M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-23 | FMP | Financial Modeling Prep (FMP) earnings |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6022 — State Commercial Banks. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Cash, investments and debt | Total debt: $799.37M; Liquidity basis: cash and short-term investments; Total liabilities: $28.24B; Cash and short-term investments: $5.40B; Cash and investments: $5.40B; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Next earnings report | Date: 2026-10-22; EPS estimate: $0.93 per share; Revenue estimate: $327.30M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 2 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-09-11 | FMP | Financial Modeling Prep (FMP) dividend history |
| Institutional ownership (13F) | Holders: 454; Quarter: 2026-06-30; Ownership: 75%; Holders previous quarter: 421; Ownership previous quarter: 71.8 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
| Largest 5 institutional holders | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings |
Data provided for informational purposes only.