United Bankshares (UBSI) Stock Price, News & Analysis

Company Overview

United Bankshares, Inc., headquartered in Charleston, West Virginia, is a bank holding company that provides a full range of financial services through its primary subsidiary, United Bank. The company’s core offerings include retail and commercial banking products such as checking and savings accounts, certificates of deposit, personal and business loans, mortgages, and treasury management services. In addition, United Bankshares delivers private banking, wealth management, trust and fiduciary solutions, and investment advisory services to meet the needs of individual, corporate, and institutional clients.

United Bankshares operates an extensive branch network across West Virginia, Virginia, Maryland, the District of Columbia, Ohio, Pennsylvania, and South Carolina. Through these regional offices and financial centers, the company emphasizes community engagement, personalized customer service, and local decision-making. To complement its brick-and-mortar presence, United Bank offers digital banking platforms, including online and mobile banking, as well as cash management and merchant services that cater to both consumer and business clients.

Since its inception, United Bankshares has pursued a strategy of balanced growth, combining organic expansion with selective acquisitions to extend its market footprint and service capabilities. The company is guided by an experienced leadership team and board of directors with deep expertise in community banking and regional markets. United Bankshares remains committed to supporting local economies, fostering strong customer relationships, and delivering long-term value for its shareholders through prudent management and service innovation.

Key Stats

• Today's Range: $36.92 to $37.97
• 50-Day Range: $35.03 to $38.73
• 52-Week Range: $30.50 to $44.43
• Volume: 924,362 shs
• Average Volume: 487,884 shs
• Market Capitalization: $5.26 billion
• P/E Ratio: 13.13
• Dividend Yield: 3.98%
• Price Target: $40.50
• Consensus Rating: Hold

United Bankshares Stock Analysis - MarketRank™

United Bankshares scored higher than 72% of companies evaluated by MarketBeat, and ranked 437th out of 949 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: 1.9 / 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.

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 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 13.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bankshares is 13.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.79.

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

2.34% 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 4.2.

Change versus previous month

Short interest in United Bankshares has recently increased by 1.27%, indicating that investor sentiment is decreasing.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bankshares is a leading dividend payer. It pays a dividend yield of 4.02%, 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 52.30%. 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

2.34% 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 4.2.

Change versus previous month

Short interest in United Bankshares has recently increased by 1.27%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.73

News Sentiment

United Bankshares has a news sentiment score of 1.73. 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 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for United Bankshares this week, compared to 5 articles on an average week.

Search Interest

2 people have searched for UBSI on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

1 people have added United Bankshares to their MarketBeat watchlist in the last 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 1.0% and is now trading at $37.16.

How were United Bankshares' earnings last quarter?

United Bankshares, Inc. (NASDAQ:UBSI) posted its quarterly earnings results on Thursday, July, 24th. The financial services provider reported $0.85 earnings per share for the quarter, topping the consensus estimate of $0.77 by $0.08. The financial services provider earned $306 million during the quarter, compared to analyst estimates of $297.98 million. United Bankshares had a net margin of 23.14% and a trailing twelve-month return on equity of 7.65%.

Does United Bankshares have any subsidiaries?

United Bankshares subsidiaries include Carolina Financial.

Who are United Bankshares' major shareholders?

Top institutional investors of United Bankshares include State Street Corp (5.77%), Geode Capital Management LLC (2.53%), First Trust Advisors LP (1.36%) and Norges Bank (1.17%). 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

• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Last Earnings: 7/24/2025
• Record date for 10/1 Dividend: 9/12/2025
• Ex-Dividend for 10/1 Dividend: 9/12/2025
• Today: 9/18/2025
• Dividend Payable: 10/01/2025
• Next Earnings (Estimated): 10/23/2025
• 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: $40.50
• High Price Target: $43.00
• Low Price Target: $38.50
• Potential Upside/Downside: +9.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.83
• Trailing P/E Ratio: 13.13
• Forward P/E Ratio: 13.22
• P/E Growth: N/A
• Net Income: $373 million
• Net Margins: 23.14%
• Pretax Margin: 29.31%
• Return on Equity: 7.65%
• Return on Assets: 1.26%

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: 3.24
• Cash Flow: $2.98 per share
• Price / Cash Flow: 12.49
• Book Value: $36.93 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 141,650,000
• Free Float: 136,746,000
• Market Cap: $5.26 billion
• Optionable: Optionable
• Beta: 0.82