UBSI Stock Analysis: United Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 6.486m USD | 12M Return: 35.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 51.4M
EPS Trend: 87.2%
Qual. Beats: 2
Rev. Trend: 97.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
United Bankshares, Inc. (UBSI) is a bank holding company that operates through subsidiaries to provide commercial and retail banking services across the United States. The company offers a full range of deposit products-including checking, savings, money market, time deposits, IRAs, and NOW accounts-alongside a diversified loan portfolio covering commercial and industrial lending, construction and real estate loans, residential mortgages, consumer loans, and home equity financing. Beyond traditional banking, UBSI provides ancillary services such as trust and safe deposit products, wire transfers, ATM access, online and telephone banking, and community banking offerings like asset management, mortgage banking, brokerage, title insurance, and investment management services.
The company was incorporated in 1982 and is headquartered in Charleston, West Virginia. As a regional bank under the GICS classification, UBSI follows a community banking model typical of mid-sized U.S. regional institutions, serving small to mid-size businesses and retail customers through a subsidiary-driven branch network. The company has been publicly traded since its 1990 IPO on NASDAQ.
- Net interest margin expands on loan repricing and deposit stability
- Commercial loan growth accelerates across Mid-Atlantic footprint
- CRE credit quality remains stable despite office sector headwinds
| Net Income: 515.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 290.5% < 20% (prev -1.40k%; Δ 1.69k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 539.8m > Net Income 515.2m |
| Net Debt (-4.61b) to EBITDA (612.8m): -7.52 < 3 |
| Current Ratio: 32.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (140.1m) vs 12m ago -1.65% < -2% |
| Gross Margin: 67.83% > 18% (prev 62.72%; Δ 5.11% > 0.5%) |
| Asset Turnover: 5.42% > 50% (prev 5.19%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 612.8m / Interest Expense TTM 559.7m) |
| A: 0.16 (Total Current Assets 5.40b - Total Current Liabilities 167.0m) / Total Assets 33.8b |
| B: 0.06 (Retained Earnings 2.17b / Total Assets 33.8b) |
| C: 0.02 (EBIT TTM 612.8m / Avg Total Assets 33.3b) |
| D: 0.20 (Book Value of Equity 5.51b / Total Liabilities 28.2b) |
| Altman-Z'' = 1.56 = BB |
As of July 28, 2026, the stock is trading at USD 47.94 with a total of 959,964 shares traded. Over the past week, the price has changed by +1.61%, over one month by +4.86%, over three months by +9.96% and over the past year by +35.23%.
Current recommended Stop Loss: 46.90 (which is 2.2% or 1.3 ATR below the current price).
United Bankshares has received a consensus analysts rating of 3.17. Therefore, it is recommended to hold UBSI.
- StrongBuy: 0
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 48 | 0.1% |
P/E Trailing = 13.1556
P/E Forward = 13.5501
P/S = 5.2653
P/B = 1.1778
P/EG = 1.9464
Revenue TTM = 1.80b USD
EBIT TTM = 612.8m USD
EBITDA TTM = 612.8m USD
Long Term Debt = 531.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 167.0m USD (from shortTermDebt, last quarter)
Debt = 792.7m USD (corrected: LT Debt 531.8m + ST Debt 167.0m) + Leases 93.9m
Net Debt = -4.61b USD (calculated: Debt 792.7m - CCE 5.40b)
Enterprise Value = 1.88b USD (6.49b + Debt 792.7m - CCE 5.40b)
Interest Coverage Ratio = 1.09 (Ebit TTM 612.8m / Interest Expense TTM 559.7m)
EV/FCF = 3.56x (Enterprise Value 1.88b / FCF TTM 526.9m)
FCF Yield = 28.07% (FCF TTM 526.9m / Enterprise Value 1.88b)
FCF Margin = 29.24% (FCF TTM 526.9m / Revenue TTM 1.80b)
Net Margin = 28.59% (Net Income TTM 515.2m / Revenue TTM 1.80b)
Gross Margin = 67.83% ((Revenue TTM 1.80b - Cost of Revenue TTM 579.6m) / Revenue TTM)
Gross Margin QoQ = 68.22% (prev 68.45%)
Tobins Q-Ratio = 0.06 (Enterprise Value 1.88b / Total Assets 33.8b)
Interest Expense / Debt = 70.61% (Interest Expense 559.7m / Debt 792.7m)
Taxrate = 20.07% (129.4m / 644.5m)
NOPAT = 489.8m (EBIT 612.8m * (1 - 20.07%))
Current Ratio = 32.34 (Total Current Assets 5.40b / Total Current Liabilities 167.0m)
Debt / Equity = 0.14 (Debt 792.7m / totalStockholderEquity, last quarter 5.51b)
Debt / EBITDA = -7.52 (Net Debt -4.61b / EBITDA 612.8m)
Debt / FCF = -8.75 (Net Debt -4.61b / FCF TTM 526.9m)
Total Stockholder Equity = 5.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 515.2m / Total Assets 33.8b)
RoE = 9.39% (Net Income TTM 515.2m / Total Stockholder Equity 5.49b)
RoCE = 10.18% (EBIT 612.8m / Capital Employed (Equity 5.49b + L.T.Debt 531.8m))
RoIC = 1.46% (NOPAT 489.8m / Invested Capital 33.7b)
WACC = 7.57% (E(6.49b)/V(7.28b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 70.77 | Cagr: 1.62%
[DCF] Terminal Value 77.97% ; FCFF base≈488.1m ; Y1≈559.5m ; Y5≈823.4m
[DCF] Fair Price = 124.1 (EV 12.4b - Net Debt -4.61b = Equity 17.0b / Shares 136.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.25 | EPS CAGR: 12.67% | SUE: 1.55 | # QB: 2
Revenue Correlation: 97.81 | Revenue CAGR: 8.24% | SUE: 0.48 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.91 | Chg30d=-0.29% | Revisions=+62% | Analysts=6
EPS current Year (2026-12-31): EPS=3.60 | Chg30d=-0.25% | Revisions=+62% | GrowthEPS=+7.7% | GrowthRev=+4.5%
EPS next Year (2027-12-31): EPS=3.81 | Chg30d=+0.33% | Revisions=+57% | GrowthEPS=+5.6% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +82% (up=14, down=0)