UNITED BANKSHARES INC (UBSI)
Financials · regional banks · NASDAQ
A regional financial services company providing commercial and retail banking, trust, and brokerage services through its network of subsidiary branches.
What UNITED BANKSHARES INC does
United Bankshares, Inc. is a financial holding company that provides commercial and retail banking products and services through its subsidiary, United Bank. It operates a network of branches across the Mid-Atlantic region and the Southeast, offering traditional deposit products, residential and commercial real estate loans, commercial and industrial loans, and consumer lending. The company also provides trust and brokerage services and bank-owned life insurance (BOLI) products.
Themes: commercial banking, retail banking, wealth management and trust services
Fundamentals
- Price$45.70 as of 2026-10-08 close
- Market cap$6.2B as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+22.7% 2025-10-08 close $37.25 → 2026-10-08 close $45.70
- P/E12.44 as of 2026-10-08
- Net margin+121.7% FY2022, SEC XBRL
- ROE+8.5% FY2025, SEC XBRL
- Debt / equity0.13 as of 2026-09-02
- Revenue CAGR (3y)+4.1% SEC XBRL
- Beta0.78 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.2%; at least 18 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How UBSI compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)top 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
UBSI is not currently in any published Top 10 list. Its scores are below.
Top 10 score
57.8 #319 of 1,379 scored · #109 of 220 in Financials
Financial health 90th (free cash flow margin 238.5%, debt to equity 0.1) and valuation 73rd (price to book 1.1, price to earnings 12.4); weakest is growth (37th, 3-year revenue CAGR 4.1%).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, UBSI's dividend was covered by reported results (earnings payout 45%, free-cash-flow payout 43%). This describes past coverage, not a forecast.
- Earnings payout45% dividends / net income
- Free-cash-flow payout43% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How UNITED BANKSHARES INC looks technically
UNITED BANKSHARES INC (UBSI) is trading 3.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 275 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 3.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $47.49 | $47.49 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $44.12 | $44.12 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 37 calendar days ago — the swings before that are what the structure reading is measured on | 37 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 275 trading days ago — a "golden cross", a bullish long-term signal | 275 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 30.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($45.02 to $47.45) — its "stochastic" reading is 28 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 28.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $49.62 | $49.62 |
|---|---|---|
| From the 52-week high | it is 7.9% below its 52-week high (its highest price of the past year) | -7.9% |
| Above the 52-week low | it is 34.0% above its 52-week low (its lowest price of the past year) | +34.0% |
| Below the 52-week high | it is 7.9% below its highest point of the past year | 7.9% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $49.62 (set on 2026-08-04) | $49.62 |
| Given back of the 52-week move | over the past year its closes ranged ($34.31 to $49.37), and it has given back roughly a quarter of its rise from last year’s low — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $39.58 to $40.06. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 24.4% |
| From the all-time high | it is 7.9% below its all-time high | -7.9% |
| Nearest price level | it is trading 0.7% below a resistance level at $46.03 — a price it turned at four times since 2026-02-06, most recently on 2026-09-01. Since 2024-10-08 it has 8 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.7% |
| All-time low | its lowest closing price on record is $13.15 (set on 2009-03-06) | $13.15 |
| Above the all-time low | it is 247.5% above its all-time low | +247.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 32nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8147 between its high and its low — about 1.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8147 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $45.39 and $47.90 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $45.39 – $46.65 – $47.90 |
| Typical daily range (% of price) | its price moves about 1.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.8% |
| Stretch from the 200-day average | it is trading 2.0 daily ranges above its 200-day average price (3.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.82× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
|---|---|---|
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.4 percentage points (the stock lost 3.3% while the market gained 1.0%) | -4.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.9 percentage points (the stock gained 0.9% while the market gained 3.8%) | -2.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 9.2 percentage points (the stock gained 8.3% while the market gained 17.5%) | -9.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 7.7 percentage points (the stock gained 22.7% while the market gained 15.0%) | +7.7% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily. | -2.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $44.38 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +3.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $47.42 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -3.6% |
Price levels it has turned at before
UBSI last closed at $45.70 on 2026-10-08. Since 2024-10-08 it has turned at 8 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $46.03 | Resistance | 0.7% above the last close | turned there four times · 2026-02-06 to 2026-09-01 |
| $44.67 | Support | 2.3% below the last close | turned there five times · 2024-11-25 to 2026-07-08 |
| $43.59 | Support | 4.6% below the last close | turned there five times · 2024-11-11 to 2026-05-27 |
| $47.89 | Resistance | 4.8% above the last close | turned there five times · 2026-07-02 to 2026-09-15 |
| $39.37 | Support | 13.8% below the last close | turned there four times · 2024-11-19 to 2025-09-05 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · lagging the market · Least volatile (2% or less typical daily range) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$50.33 range $48.00 – $52.00; median $51.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for UBSI
- Consensus EPS estimate$0.9317 next reporting period, as of 2026-10-06
- Estimate change, 30 days+$0.00167 (+0.2%) from $0.93, on 2026-09-01, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to fluctuations in interest rates, which impact net interest margin and the demand for loans.","Credit risk associated with the loan portfolio, particularly commercial and residential real estate lending."]
What changed in the latest 10-Q
AI-assisted comparison of UBSI's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-08) adds reference to 'the economic impact of oil and gas prices' as a factor affecting future results in the Forward-Looking Statements risk factors section.
- Newer filing (2026-05-08) adds 'shareholders' equity of approximately $202 million' to the Piedmont acquisition details in the ACQUISITION section.
- Removed:
- Older filing (2025-11-07) included 'the duration of the U.S. government shutdown and' in risk factor (1) regarding effects of trade and monetary/fiscal policies; this phrase is removed in the newer filing (2026-05-08).
- Older filing (2025-11-07) included risk factor (2) describing 'risks related to the acquisition and integration of Piedmont Bancorp, Inc.' with specific details about expected growth opportunities, cost savings, and reputational risk; this is removed in the newer filing (2026-05-08).
- Older filing (2025-11-07) included section 'ECONOMIC AND TRADE POLICY UNCERTAINTY' discussing potential tariffs and cross-border trade arrangements; this entire section is removed in the newer filing (2026-05-08).
- Older filing (2025-11-07) included section 'THE ONE BIG BEAUTIFUL BILL ACT' discussing H.R. 1 signed July 4, 2025; this entire section is removed in the newer filing (2026-05-08).
- Older filing (2025-11-07) states management evaluated events 'after September 30, 2025'; newer filing (2026-05-08) states 'after March 31, 2026'.
- Older filing (2025-11-07) ACQUISITION section states 'As of January 10, 2025' and includes language about 'The operating results of United include operating results of acquired assets and assumed liabilities subsequent to the Acquisition Date'; newer filing (2026-05-08) states 'At the acquisition date' and uses different phrasing.
- Reworded:
- Risk factor numbering changed: older filing (2025-11-07) numbered volatility and disruptions as (9), newer filing (2026-05-08) numbers it as (8); subsequent factors renumbered accordingly.
- Risk factor numbering: older filing (2025-11-07) had operational/technological risks as (10) and catastrophic events as (11); newer filing (2026-05-08) has catastrophic events as (10) and geopolitical risk as (11), with final factors renumbered.
- Older filing (2025-11-07) references 'trade tariff policies' while newer filing (2026-05-08) references 'the trade and tariff policies'.
- Older filing (2025-11-07) ACQUISITION section states 'The operating results of United include...'; this explanatory language is absent in newer filing (2026-05-08).
- Notes:
- The newer filing text appears truncated at 'Average tangible common equity is calculated as GAAP total shareholders' equity minus total intangible a', making complete comparison of the USE OF NON-GAAP FINANCIAL MEASURES section impossible.
- Older filing text also appears truncated at 'Under SEC Regulation G, public companies making disclosures containing financial measures that are not in accordance with GAAP must also disclose, along with each "non-GAAP" financial measure, certain additional information, including a reconciliation of the non-GAAP financial measure to the closest compara', limiting full comparison of that section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 1 sell ($148544) — 1 selling insider
- Last 180 days · read to 2026-10-040 buys · 1 sell ($148544) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-01. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about UBSI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 3 matched disclosures for UBSI from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
4 institutional 13F filers reported holding UBSI as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 30,124,805
- Reported value $1,383,737,269
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about UBSI's institutional holders → See what each manager we track holds →
Short interest (FINRA)
UBSI had 6,167,574 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
UBSI had 4.53% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7 days to cover at the same settlement.
- Reported short interest (shares) 6,167,574
- Short interest (% of shares outstanding) 4.53%
- Prior settlement (shares) 5,590,957
- Reported change 10.31%
- Days to cover (reported) 7
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Truist Financial (TFC)
- PNC Financial Services Group (PNC)
- M&T Bank (MTB)
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
- Regions Financial (RF)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does UNITED BANKSHARES INC (UBSI) do?
United Bankshares, Inc. is a financial holding company that provides commercial and retail banking products and services through its subsidiary, United Bank. It operates a network of branches across the Mid-Atlantic region and the Southeast, offering traditional deposit products, residential and commercial real estate loans, commercial and industrial loans, and consumer lending. The company also provides trust and brokerage services and bank-owned life insurance (BOLI) products.
What sector is UNITED BANKSHARES INC (UBSI) in?
UNITED BANKSHARES INC (UBSI) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does UBSI pay a dividend?
Yes — UNITED BANKSHARES INC (UBSI) pays a dividend, with an indicated yield of about 3.23% and at least 18 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are UNITED BANKSHARES INC's (UBSI) competitors?
Notable peers of UNITED BANKSHARES INC (UBSI) include Truist Financial, PNC Financial Services Group, M&T Bank, Fifth Third Bancorp and Huntington Bancshares. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in UBSI?
Yes — we hold 3 matched STOCK Act disclosures for UBSI from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is UNITED BANKSHARES INC (UBSI) overbought or oversold right now?
UNITED BANKSHARES INC (UBSI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on UBSI come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.