United Bankshares (UBSI) Stock Price, News & Analysis

Company Overview

United Bankshares, Inc. (NASDAQ: UBSI) is a diversified bank holding company headquartered in Charleston, West Virginia. Through its principal subsidiary, United Bank, the company offers a full range of banking and financial services to individuals, small and mid-sized businesses, and institutional clients. Its core offerings include personal and business deposit accounts, commercial and consumer lending, mortgage origination and servicing, wealth management, and trust services.

Founded in 1839 and reorganized as a bank holding company in 1982, United Bankshares has grown both organically and through strategic acquisitions. Over the years, the company has absorbed numerous community banks across its core operating footprint, broadening its deposit base and lending capabilities. This expansion has reinforced its commitment to local decision-making and customer service in each market it serves.

United Bankshares maintains a network of branches and offices across West Virginia, Maryland, Virginia, Ohio, Pennsylvania, North Carolina, South Carolina, the District of Columbia, and operates in Florida and Louisiana through its subsidiary FVCbank. This geographic diversity allows the company to balance economic cycles and support regional growth initiatives, while delivering tailored financial solutions to a varied clientele.

The company is led by President and Chief Executive Officer William H. Ingram and an experienced executive team and board of directors drawn from the communities it serves. Under this leadership, United Bankshares continues to emphasize prudent risk management, community reinvestment, and long-term shareholder value creation through disciplined lending practices and customer-focused service.

Key Stats

• Today's Range: $37.15 to $37.73
• 50-Day Range: $34.60 to $38.41
• 52-Week Range: $30.51 to $44.43
• Volume: 2.67 million shs
• Average Volume: 677,338 shs
• Market Capitalization: $5.30 billion
• P/E Ratio: 13.87
• Dividend Yield: 3.97%
• Price Target: $40.63
• Consensus Rating: Hold

United Bankshares Stock Analysis - MarketRank™

United Bankshares scored higher than 59% of companies evaluated by MarketBeat, and ranked 543rd out of 939 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: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

United Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

United Bankshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.61%

Earnings Growth

Earnings for United Bankshares are expected to grow by 9.61% in the coming year, from $2.81 to $3.08 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bankshares is 13.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bankshares is 13.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

United Bankshares has a P/B Ratio of 1.01. 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

5.37% 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 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bankshares has recently increased by 99.46%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bankshares is a leading dividend payer. It pays a dividend yield of 4.03%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Bankshares has been increasing its dividend for 26 years.

Dividend Coverage

The dividend payout ratio of United Bankshares is 55.02%. 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 48.05% next year. This indicates that United Bankshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

5.37% 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 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bankshares has recently increased by 99.46%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.44

News Sentiment

United Bankshares has a news sentiment score of 1.44. 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 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for United Bankshares this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for UBSI on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.46% 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.

UBSI Stock Analysis - Frequently Asked Questions

How have UBSI shares performed this year?

United Bankshares' stock was trading at $37.55 at the beginning of the year. Since then, UBSI stock has decreased by 0.7% and is now trading at $37.30.

How were United Bankshares' earnings last quarter?

United Bankshares, Inc. (NASDAQ:UBSI) posted its quarterly earnings data on Thursday, April, 24th. The financial services provider reported $0.59 EPS for the quarter, missing analysts' consensus estimates of $0.66 by $0.07. United Bankshares's revenue was up 13.7% compared to the same quarter last year.

Does United Bankshares have any subsidiaries?

United Bankshares subsidiaries include Carolina Financial.

Who are United Bankshares' major shareholders?

Top institutional shareholders of United Bankshares include Wealth Enhancement Advisory Services LLC (0.03%), Crown Wealth Group LLC (0.02%), Foster Victor Wealth Advisors LLC (0.02%) and Main Street Group LTD (0.02%). Insiders that own company stock include Peter A Converse, J Paul Mcnamara, Gary G White, Mark R Nesselroad, Lacy I Rice III, Richard M Sr Adams Sr and Sara Dumond.
View institutional ownership trends.

How do I buy shares of United Bankshares?

Shares of UBSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Bankshares investors own include American Water Works (AWK), Waste Connections (WCN), AU Optronics (AUOTY), Humana (HUM), DiamondRock Hospitality (DRH), The RMR Group (RMR) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UBSI
• CIK: 729986
• Web: www.ubsi-inc.com
• Phone: (304) 424-8716
• Fax: 304-424-8800
• Employees: 2,553
• Year Founded: 1982

Price Target and Rating

• Average Price Target for United Bankshares: $40.63
• High Price Target: $43.00
• Low Price Target: $38.50
• Potential Upside/Downside: +8.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.69
• Trailing P/E Ratio: 13.88
• Forward P/E Ratio: 13.32
• P/E Growth: N/A
• Net Income: $373 million
• Net Margins: 22.35%
• Pretax Margin: 27.95%
• Return on Equity: 7.36%
• Return on Assets: 1.21%

Debt

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

Sales & Book Value

• Annual Sales: $1.63 billion
• Price / Sales: 3.27
• Cash Flow: $3.00 per share
• Price / Cash Flow: 12.46
• Book Value: $36.93 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 142,060,000
• Free Float: 137,145,000
• Market Cap: $5.32 billion
• Optionable: Optionable
• Beta: 0.76