United Bankshares Inc

United Bankshares Inc (UBSI) Stock Analysis

$46.600

+0.834 (+1.79%)At close

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High
46.740
Open
46.270
VWAP
46.41
Volume
1.19M
Mkt Cap
4.31B
Low
45.900
Amount
55.45M
EV/EBITDA, TTM
6.93

United Bankshares, Inc. is a financial holding company. The Company offers a full range of commercial and retail banking services and products. It provides community banking services such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. Its services include deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, and floor plan loans; and the making of construction and real estate loans. It also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. It includes the trust department, which acts as a trustee under wills, trusts and pension and profit-sharing plans, as executor and administrator of estates, and as guardian for estates of minors and incompetents, and in addition performs a variety of investment and security services. It offers digital banking for consumer and commercial customers.

AI analysis of United Bankshares Inc (UBSI)

Hold

United Bankshares Inc is currently a hold. The stock is priced at $45.46, which is below the average analyst price target of $48.67, suggesting potential upside. However, the RSI is at 34.621, indicating that the stock is oversold, and the recent 5-day change is down by 3.36%, showing a short-term downtrend. The main risk is the negative sentiment reflected in the recent price performance and the insider selling activity, where a director sold shares at $46.42, which could signal caution for investors.

Analyst Ratings (6)

-11.48% Downside
Hold
0 Buy
6 Hold
0 Sell
Current: 46.60
Low
40.00
Average
41.25
High
42.50

Keefe Bruyette

2026-07-27

Price Target

$48

Market Perform

Raymond James

2026-07-01

Price Target

$50

Outperform

Keefe Bruyette

2026-04-28

Price Target

$45

Market Perform

Raymond James

2026-04-27

Price Target

$49

Outperform

Keefe Bruyette

2026-01-26

Price Target

$43

Market Perform

Valuation Metrics

The current forward P/E ratio for United Bankshares Inc (UBSI) is 13.55, compared to its 5-year average forward P/E of 12.95.

Forward P/E

Fair
5Y Average P/E
12.95
Current P/E
13.55
Overvalued
14.12
Undervalued
11.78

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
0.78
Current EV/EBITDA
6.93
Overvalued
2.93
Undervalued
-1.38

Forward P/S

Fair
5Y Average P/S
4.45
Current P/S
4.64
Overvalued
4.82
Undervalued
4.08

Alphio AI Price Scenarios for UBSI

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%UBSI

$34.81

Scenario price

B

Base

Base · 50%UBSI

$34.08

Scenario price

B

Bear

Bear · 25%UBSI

$32.49

Scenario price

Whales holding UBSI

S

Staley Capital Advisers, Inc.

+ HoldingUBSI

+2.60%

3M Return

S

Silvercrest Asset Management Group LLC

+ HoldingUBSI

-0.71%

3M Return

Events Timeline

2026-10-08 (ET)

09:30:00

United Bankshares Expands into Florida with New Office

2026-09-15 (ET)

09:30:00

United Bank Appoints Phil Poliquin as Senior VP of Government Contracting

2026-08-24 (ET)

15:00:00

United Bankshares Declares Q3 Dividend of $0.38 per Share

2026-07-23 (ET)

08:00:00

United Airlines Capital Ratio Reaches 15.6%

2026-04-23 (ET)

08:00:00

United Bank Reports Q1 Net Interest Margin of 3.80%

News

UBSI FAQ — answered by Alphio AI

United Bankshares, Inc. is a financial holding company. The Company offers a full range of commercial and retail banking services and products. It provides community banking services such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. Its services include deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, and floor plan loans; and the making of construction and real estate loans. It also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. It includes the trust department, which acts as a trustee under wills, trusts and pension and profit-sharing plans, as executor and administrator of estates, and as guardian for estates of minors and incompetents, and in addition performs a variety of investment and security services. It offers digital banking for consumer and commercial customers. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

United Bankshares Inc is currently a hold. The stock is priced at $45.46, which is below the average analyst price target of $48.67, suggesting potential upside. However, the RSI is at 34.621, indicating that the stock is oversold, and the recent 5-day change is down by 3.36%, showing a short-term downtrend. The main risk is the negative sentiment reflected in the recent price performance and the insider selling activity, where a director sold shares at $46.42, which could signal caution for investors.

6 analysts cover UBSI: 0 rate it Buy, 6 Hold and 0 Sell. The average price target is 41.25.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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