UBSI Stock Analysis: United Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 6.391m USD | 12M Return: 26.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 49.3M
EPS Trend: 73.3%
Qual. Beats: 1
Rev. Trend: 97.6%
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: 504.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 291.5% < 20% (prev -1.43k%; Δ 1.72k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 539.8m > Net Income 504.5m |
| Net Debt (-4.63b) to EBITDA (639.2m): -7.24 < 3 |
| Current Ratio: 33.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (140.1m) vs 12m ago -1.83% < -2% |
| Gross Margin: 67.35% > 18% (prev 61.51%; Δ 5.84% > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 5.04%; Δ 0.48% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBIT TTM 639.2m / Interest Expense TTM 573.5m) |
| A: 0.16 (Total Current Assets 5.52b - Total Current Liabilities 166.2m) / Total Assets 33.7b |
| B: 0.07 (Retained Earnings 2.24b / Total Assets 33.7b) |
| C: 0.02 (EBIT TTM 639.2m / Avg Total Assets 33.2b) |
| D: 0.19 (Book Value of Equity 5.49b / Total Liabilities 28.2b) |
| Altman-Z'' = 1.59 = BB |
| DSRI: 0.89 (Receivables 109.5m/110.5m, Revenue 1.84b/1.65b) |
| GMI: 0.91 (GM 61.51% / 67.35%) |
| AQI: 0.92 (AQ_t 0.83 / AQ_t-1 0.90) |
| SGI: 1.11 (Revenue 1.84b / 1.65b) |
| TATA: -0.00 (NI 504.5m - CFO 539.8m) / TA 33.7b) |
| Beneish M = -3.16 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 46.14 with a total of 801,645 shares traded. Over the past week, the price has changed by +0.92%, over one month by +6.34%, over three months by +9.72% and over the past year by +26.81%.
Current recommended Stop Loss: 45.10 (which is 2.3% 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 | 47.8 | 3.7% |
P/E Trailing = 12.9916
P/E Forward = 13.5501
P/S = 5.1942
P/B = 1.1644
P/EG = 1.9464
Revenue TTM = 1.84b USD
EBIT TTM = 639.2m USD
EBITDA TTM = 639.2m USD
Long Term Debt = 532.2m USD (from longTermDebt, last quarter)
Short Term Debt = 166.2m USD (from shortTermDebt, last quarter)
Debt = 886.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 93.9m
Net Debt = -4.63b USD (calculated: Debt 886.2m - CCE 5.52b)
Enterprise Value = 1.76b USD (6.39b + Debt 886.2m - CCE 5.52b)
Interest Coverage Ratio = 1.11 (Ebit TTM 639.2m / Interest Expense TTM 573.5m)
EV/FCF = 3.34x (Enterprise Value 1.76b / FCF TTM 526.9m)
FCF Yield = 29.93% (FCF TTM 526.9m / Enterprise Value 1.76b)
FCF Margin = 28.70% (FCF TTM 526.9m / Revenue TTM 1.84b)
Net Margin = 27.49% (Net Income TTM 504.5m / Revenue TTM 1.84b)
Gross Margin = 67.35% ((Revenue TTM 1.84b - Cost of Revenue TTM 599.3m) / Revenue TTM)
Gross Margin QoQ = 68.45% (prev 69.07%)
Tobins Q-Ratio = 0.05 (Enterprise Value 1.76b / Total Assets 33.7b)
Interest Expense / Debt = 64.71% (Interest Expense 573.5m / Debt 886.2m)
Taxrate = 20.23% (128.0m / 632.5m)
NOPAT = 509.9m (EBIT 639.2m * (1 - 20.23%))
Current Ratio = 33.20 (Total Current Assets 5.52b / Total Current Liabilities 166.2m)
Debt / Equity = 0.16 (Debt 886.2m / totalStockholderEquity, last quarter 5.49b)
Debt / EBITDA = -7.24 (Net Debt -4.63b / EBITDA 639.2m)
Debt / FCF = -8.79 (Net Debt -4.63b / FCF TTM 526.9m)
Total Stockholder Equity = 5.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 504.5m / Total Assets 33.7b)
RoE = 9.26% (Net Income TTM 504.5m / Total Stockholder Equity 5.45b)
RoCE = 10.69% (EBIT 639.2m / Capital Employed (Equity 5.45b + L.T.Debt 532.2m))
RoIC = 1.52% (NOPAT 509.9m / Invested Capital 33.6b)
WACC = 7.37% (E(6.39b)/V(7.28b) * Re(8.39%) + (debt cost/tax rate unavailable))
Discount Rate = 8.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 58.43 | Cagr: 1.66%
[DCF] Terminal Value 77.97% ; FCFF base≈488.1m ; Y1≈559.5m ; Y5≈823.4m
[DCF] Fair Price = 123.5 (EV 12.4b - Net Debt -4.63b = Equity 17.0b / Shares 137.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 73.35 | EPS CAGR: 8.85% | SUE: 0.86 | # QB: 1
Revenue Correlation: 97.62 | Revenue CAGR: 9.87% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.89 | Chg30d=+0.11% | Revisions=+57% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=-0.29% | Revisions=+62% | Analysts=6
EPS current Year (2026-12-31): EPS=3.61 | Chg30d=-0.20% | Revisions=+62% | GrowthEPS=+7.8% | GrowthRev=+4.5%
EPS next Year (2027-12-31): EPS=3.80 | Chg30d=+0.11% | Revisions=+57% | GrowthEPS=+5.3% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +86% (up=18, down=0)