United Bankshares, Inc. (UBSI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Bankshares, Inc. (UBSI) trades at $46.51 with AI Score 97/100 (Grade A+). United Bankshares, Inc. is a financial holding company providing commercial and retail banking services across the United States. Market cap: $6.41B, Sector: Financial services.
Price live · AI analysis from May 9, 2026UBSI stock analysis for 2026: Analysts have set a consensus price target of $45.50 for United Bankshares, Inc., suggesting 2.2% downside from the current price of $46.51. The AI MoonshotScore is 97/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
UBSI: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →United Bankshares, Inc. (UBSI) Financial Services Profile
United Bankshares, Inc. (UBSI) is a regional bank holding company offering diverse financial services, including commercial and retail banking, mortgage banking, and wealth management. Operating across multiple states, UBSI distinguishes itself through a community-focused approach and a robust dividend yield, positioning it as a stable player in the financial sector.
What Is the Investment Thesis for UBSI?
United Bankshares, Inc. presents a stable investment opportunity within the regional banking sector. With a P/E ratio of 12.8 and a dividend yield of 3.46%, UBSI offers a blend of value and income. The company's consistent profitability, demonstrated by a 27.5% profit margin, suggests efficient operations. Growth catalysts include strategic expansion within its existing geographic footprint and enhanced digital banking services. Potential risks involve interest rate sensitivity and regulatory compliance costs. The company's beta of 0.75 indicates lower volatility compared to the broader market, making it a potentially noteworthy option for risk-averse investors seeking steady returns.
Based on FMP financials and quantitative analysis
UBSI Key Highlights
- Market capitalization of $6.41B, reflecting its significant presence in the regional banking sector.
- P/E ratio of 12.8, suggesting a reasonable valuation compared to its earnings.
- Profit margin of 27.5%, indicating strong profitability and efficient operations.
- Gross margin of 67.4%, showcasing effective cost management in its service offerings.
- Dividend yield of 3.46%, providing a steady income stream for investors.
Who Are UBSI's Competitors?
UBSI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| COLB Columbia Banking System, Inc. | $32.03 | +0.98% | $7.62B | 90 |
| VLY Valley National Bancorp | $14.74 | +1.06% | $8.17B | 81 |
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| ABCB Ameris Bancorp | $90.56 | +0.49% | $6.09B | 88 |
| OZK Bank OZK | $49.65 | -0.38% | 6B | 91 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UBSI's Key Strengths?
- Strong regional presence and brand recognition.
- Diversified product and service offerings.
- Consistent profitability and dividend payouts.
- Experienced management team.
What Are UBSI's Weaknesses?
- Limited geographic diversification compared to larger national banks.
- Reliance on traditional banking services.
- Exposure to interest rate risk.
- Potential for increased regulatory scrutiny.
What Could Drive UBSI Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract new customers.
- Strategic acquisitions of smaller banks to expand market presence.
What Are the Key Risks for UBSI?
- Financial-distress signal — its Altman Z-Score of 0.54 sits in the distress zone (elevated bankruptcy risk).
- Insider selling — insiders were net sellers of roughly $1.5M recently.
- Economic downturn could lead to credit quality deterioration.
- Increased competition from larger national banks and fintech companies.
- Changes in regulatory requirements could increase compliance costs.
What Are the Growth Opportunities for UBSI?
- Expansion within Existing Markets: United Bankshares has the opportunity to deepen its market penetration within its current geographic footprint. By opening new branches and expanding its service offerings in existing markets like Virginia, Maryland, and West Virginia, UBSI can attract new customers and increase its market share. This strategy allows UBSI to leverage its established brand recognition and local expertise. The market size for regional banking services in these states is estimated to be in the billions, providing ample room for growth.
- Enhancement of Digital Banking Services: Investing in and expanding its digital banking platform can enable United Bankshares to attract and retain tech-savvy customers. By offering user-friendly mobile banking apps, online account management tools, and other digital services, UBSI can enhance customer experience and improve operational efficiency. The digital banking market is rapidly growing, with projections estimating a market size of several billion dollars in the coming years.
- Strategic Acquisitions: United Bankshares can pursue strategic acquisitions of smaller banks and financial institutions to expand its geographic reach and service offerings. By acquiring complementary businesses, UBSI can enter new markets, gain access to new customer segments, and achieve economies of scale. The regional banking sector is ripe for consolidation, presenting numerous acquisition opportunities for UBSI. The timeline for potential acquisitions is ongoing, with UBSI continuously evaluating potential targets.
- Increased Focus on Wealth Management Services: Expanding its wealth management services can provide United Bankshares with a new revenue stream and enhance customer loyalty. By offering financial planning, investment management, and trust services, UBSI can cater to the growing needs of affluent customers. The wealth management market is experiencing strong growth, driven by increasing wealth accumulation and demand for financial advice. UBSI can leverage its existing customer base and branch network to promote its wealth management services.
- Development of Specialized Lending Products: United Bankshares can develop specialized lending products tailored to specific industries or customer segments. By offering niche lending solutions, UBSI can differentiate itself from competitors and attract new customers. For example, UBSI could develop specialized loan programs for small businesses, healthcare providers, or renewable energy projects. The market for specialized lending products is growing, driven by the increasing complexity of the economy and the diverse financial needs of businesses and individuals.
What Opportunities Does UBSI Have?
- Expansion within existing markets.
- Strategic acquisitions of smaller banks.
- Enhancement of digital banking services.
- Growth in wealth management services.
What Threats Does UBSI Face?
- Increased competition from larger national banks and fintech companies.
- Economic downturn and credit quality deterioration.
- Changes in interest rates and regulatory requirements.
- Cybersecurity risks and data breaches.
What Are UBSI's Competitive Advantages?
- Established regional presence with a network of 250 offices.
- Strong community banking relationships and local expertise.
- Diversified product and service offerings.
- Consistent profitability and dividend payouts.
What Does UBSI Do?
United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia. The company has grown into a prominent regional financial institution with a significant presence across several states, including Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. UBSI operates through two primary segments: Community Banking and Mortgage Banking. The Community Banking segment offers a wide array of traditional banking products and services, including checking, savings, and money market accounts, as well as various loan products such as commercial, real estate, and personal loans. The Mortgage Banking segment focuses on providing mortgage-related services to both individuals and businesses. United Bankshares also provides additional services such as credit cards, safe deposit boxes, wire transfers, investment and security services, and correspondent banking services. The company distinguishes itself through its commitment to community banking, offering personalized service and local expertise. As of December 31, 2021, United Bankshares operated 250 offices, reflecting its extensive regional network.
What Products and Services Does UBSI Offer?
- Provides commercial and retail banking products and services.
- Offers checking, savings, and money market accounts.
- Provides commercial, real estate, and personal loans.
- Offers credit cards and safe deposit boxes.
- Provides wire transfers and other banking services.
- Offers investment and security services.
- Provides services to correspondent banks.
- Offers automated teller machine and internet banking services.
How Does UBSI Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services such as wire transfers and safe deposit boxes.
- Provides mortgage banking services for fee income.
- Offers wealth management and brokerage services for fee income.
What Industry Does UBSI Operate In?
United Bankshares, Inc. operates in the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. UBSI competes with other regional banks like Columbia Banking System, Inc. (COLB), Valley National Bancorp (VLY), and F.N.B. Corporation (FNB), as well as larger national banks. The regional banking sector is experiencing growth driven by technological advancements and increased demand for personalized financial services. UBSI's focus on community banking positions it well to capitalize on these trends.
Who Are UBSI's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking services.
- Real estate developers needing construction and real estate loans.
- Correspondent banks utilizing UBSI's services.
ROE 9%Key Financial Metrics
Return on equity for United Bankshares, Inc. stands at 9.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. UBSI trades at a trailing price-to-earnings ratio of 12.83, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 33.20 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
United Bankshares, Inc. (UBSI) Valuation Context
Valued at $6.41B, UBSI is classified as a mid-cap stock. Relative to its peer group, UBSI's quantitative score of 97/100 is roughly in line with the peer average of 87/100.
Company Profile
United Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Charleston, US. The company is led by CEO Richard Matthew Adams Jr.. UBSI has traded publicly since 1987.
F-Score 9/9Financial Health
United Bankshares, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.54 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project United Bankshares, Inc. revenue of about $1.29B for fiscal 2026, with EPS near $3.61.
Net buyingInsider Activity
Over the past six months, United Bankshares, Inc. insiders filed 30 SEC Form 4 transactions — 19 sales and 11 purchases. On net that is roughly 21K shares acquired (about $1.5M) — insiders putting money in tends to read as conviction.
UBSI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- UBSI's recent insider buying suggests those in the know see long-term value, signaling potential confidence in the company's future performance.
- The community sentiment around UBSI seems cautiously optimistic, with many highlighting its steady dividend payouts as a reliable income stream.
- UBSI is generally perceived as a stable, traditional bank, which can be attractive during times of market volatility and uncertainty.
- Recent market developments indicate a potential increase in interest rates, which could benefit UBSI's lending margins and overall profitability. Data suggests but unconfirmed.
Bear Case
- Recent insider selling, while not always a negative signal, might indicate concerns about short-term growth or potential headwinds for UBSI.
- Some community members express worries about UBSI's ability to adapt to the rapidly changing fintech landscape and increasing competition from online banks.
- UBSI's traditional banking model may be seen as less appealing to younger investors who prefer more innovative and tech-driven financial services.
- Market perception of regional banks like UBSI can be heavily influenced by broader economic concerns, such as potential recession risks. Confidence level: 70%
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
UBSI Latest News
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Raymond James Maintains Outperform on United Bankshares, Raises Price Target to $50
benzinga · Jul 1, 2026
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Raymond James Adjusts Price Target on United Bankshares to $50 From $49, Maintains Outperform Rating
MT Newswires · Jul 1, 2026
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Hovde Group Initiates Coverage On United Bankshares with Market Perform Rating, Announces Price Target of $49
benzinga · Jun 24, 2026
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Hovde Group Initiates Coverage on United Bankshares With Market Perform Rating
MT Newswires · Jun 24, 2026
UBSI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UBSI.
Price Targets
Consensus target: $45.50
UBSI MoonshotScore
What does this score mean?
The MoonshotScore rates UBSI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Raymond James Maintains Outperform on United Bankshares, Raises Price Target to $50
Raymond James Adjusts Price Target on United Bankshares to $50 From $49, Maintains Outperform Rating
Hovde Group Initiates Coverage On United Bankshares with Market Perform Rating, Announces Price Target of $49
Hovde Group Initiates Coverage on United Bankshares With Market Perform Rating
Leadership: Richard Matthew Adams Jr.
CEO
Richard Matthew Adams Jr. serves as the CEO of United Bankshares, Inc., managing a workforce of 2553 employees. His career reflects extensive experience in the financial services sector. Adams has held various leadership positions within United Bankshares, contributing to the company's strategic growth and operational efficiency. His expertise spans across commercial banking, risk management, and corporate governance. He is recognized for his commitment to community banking and fostering strong customer relationships.
Track Record: Under Richard Matthew Adams Jr.'s leadership, United Bankshares, Inc. has maintained consistent profitability and a strong dividend yield. He has overseen strategic initiatives to expand the company's market presence and enhance its digital banking capabilities. Adams has also navigated the company through various economic cycles and regulatory changes, ensuring compliance and sustainable growth. His focus on customer service and community engagement has contributed to the company's positive reputation.
What Investors Ask About United Bankshares, Inc. (UBSI) — Financial Services
What does United Bankshares, Inc. do?
United Bankshares, Inc. operates as a financial holding company, providing a range of commercial and retail banking services. Its primary activities include accepting deposits, offering loans, and providing other financial services such as wealth management and mortgage banking. The company operates through its Community Banking and Mortgage Banking segments, serving individuals, small businesses, and commercial clients across several states. UBSI generates revenue primarily through interest income on loans and fees for services.
What do analysts say about UBSI stock?
Analyst consensus on United Bankshares, Inc. (UBSI) stock reflects a generally neutral outlook, considering its stable performance and consistent dividend payouts. Key valuation metrics, such as its P/E ratio of 12.8, suggest a reasonable valuation compared to its earnings. Growth considerations include the company's ability to expand its digital banking services and capitalize on strategic acquisition opportunities. Analysts also monitor UBSI's exposure to interest rate risk and regulatory changes. The stock is viewed as a potentially stable investment option within the regional banking sector.
What are the main risks for UBSI?
The main risks for United Bankshares, Inc. include exposure to interest rate fluctuations, which can impact its net interest margin. Economic downturns could lead to credit quality deterioration and increased loan losses. Increased competition from larger national banks and fintech companies poses a threat to its market share. Regulatory changes and compliance costs could also negatively impact profitability. Cybersecurity risks and data breaches are ongoing concerns for the company. Effective risk management and mitigation strategies are crucial for UBSI to navigate these challenges.
What are the key factors to evaluate for UBSI?
United Bankshares, Inc. (UBSI) holds an AI score of 97/100 (high). P/E: 12.8x vs the S&P 500's ~20-25x. Analysts target $45.50 (-2%). Not financial advice.
How frequently does UBSI data refresh on this page?
UBSI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven UBSI's recent stock price performance?
United Bankshares, Inc. (UBSI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UBSI overvalued or undervalued right now?
United Bankshares, Inc. (UBSI) trades at 12.8x earnings. Analysts target $45.50 (-2%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying UBSI?
Before investing in United Bankshares, Inc. (UBSI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-09.
- Financial metrics are based on the most recent available data.