(UBSI) United Bankshares - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9099071071
Stock: Loans, Deposits, Mortgages, Cards, Investment
Total Rating 51
Risk 70
Buy Signal -0.09
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.08% |
| Yield on Cost 5y | 5.23% |
| Yield CAGR 5y | 1.39% |
| Payout Consistency | 99.0% |
| Payout Ratio | 43.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.3% |
| Relative Tail Risk | -13.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.70 |
| Alpha | 9.14 |
| Character TTM | |
|---|---|
| Beta | 0.788 |
| Beta Downside | 0.770 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.90% |
| CAGR/Max DD | 0.22 |
Description: UBSI United Bankshares January 09, 2026
United Bankshares, Inc. (NASDAQ:UBSI) is a regional bank headquartered in Charleston, West Virginia, offering a full suite of commercial and retail banking services-including checking, savings, money-market accounts, IRAs, and a broad array of loan products such as commercial, construction, residential mortgage, auto, and home-equity financing.
As of the most recent quarter (Q4 2023), UBSI reported a loan portfolio of roughly $13 billion and deposits of about $15 billion, with a net interest margin of 3.2% and an efficiency ratio near 58%, indicating solid cost control relative to peers.
The bank’s performance is closely tied to the prevailing interest-rate cycle (higher rates boost net interest income but can pressure loan demand) and to regional economic trends in the Mid-Atlantic and Appalachian markets, where commercial real-estate activity and small-business credit quality are key drivers.
For a deeper, data-driven look at UBSI’s valuation and risk profile, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 428.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: 308.7% < 20% (prev -1328 %; Δ 1637 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 496.3m > Net Income 428.3m |
| Net Debt (-2.34b) to EBITDA (546.8m): -4.29 < 3 |
| Current Ratio: 28.21 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (141.0m) vs prev 4.04% < -2% |
| Gross Margin: 64.69% > 18% (prev 0.62%; Δ 6407 % > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.39%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.95 > 6 (EBITDA TTM 546.8m / Interest Expense TTM 576.3m) |
Altman Z'' 1.58
| A: 0.16 (Total Current Assets 5.60b - Total Current Liabilities 198.6m) / Total Assets 33.66b |
| B: 0.06 (Retained Earnings 2.09b / Total Assets 33.66b) |
| C: 0.02 (EBIT TTM 546.8m / Avg Total Assets 31.84b) |
| D: 0.20 (Book Value of Equity 5.50b / Total Liabilities 28.16b) |
| Altman-Z'' Score: 1.58 = BB |
What is the price of UBSI shares?
As of February 07, 2026, the stock is trading at USD 45.52 with a total of 1,191,296 shares traded.
Over the past week, the price has changed by +7.54%, over one month by +15.83%, over three months by +27.00% and over the past year by +20.72%.
Over the past week, the price has changed by +7.54%, over one month by +15.83%, over three months by +27.00% and over the past year by +20.72%.
Is UBSI a buy, sell or hold?
United Bankshares has received a consensus analysts rating of 3.17.
Therefor, it is recommend to hold UBSI.
- StrongBuy: 0
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UBSI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45.3 | -0.6% |
| Analysts Target Price | 45.3 | -0.6% |
| ValueRay Target Price | 50 | 9.9% |
UBSI Fundamental Data Overview February 02, 2026
P/E Trailing = 12.945
P/E Forward = 13.5501
P/S = 4.9856
P/B = 1.0741
P/EG = 1.92
Revenue TTM = 1.75b USD
EBIT TTM = 546.8m USD
EBITDA TTM = 546.8m USD
Long Term Debt = 531.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 198.6m USD (from shortTermDebt, last quarter)
Debt = 198.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.34b USD (from netDebt column, last quarter)
Enterprise Value = 497.0m USD (5.90b + Debt 198.6m - CCE 5.60b)
Interest Coverage Ratio = 0.95 (Ebit TTM 546.8m / Interest Expense TTM 576.3m)
EV/FCF = 1.01x (Enterprise Value 497.0m / FCF TTM 493.5m)
FCF Yield = 99.28% (FCF TTM 493.5m / Enterprise Value 497.0m)
FCF Margin = 28.20% (FCF TTM 493.5m / Revenue TTM 1.75b)
Net Margin = 24.47% (Net Income TTM 428.3m / Revenue TTM 1.75b)
Gross Margin = 64.69% ((Revenue TTM 1.75b - Cost of Revenue TTM 618.0m) / Revenue TTM)
Gross Margin QoQ = 69.07% (prev 66.25%)
Tobins Q-Ratio = 0.01 (Enterprise Value 497.0m / Total Assets 33.66b)
Interest Expense / Debt = 71.81% (Interest Expense 142.6m / Debt 198.6m)
Taxrate = 19.43% (31.1m / 159.9m)
NOPAT = 440.5m (EBIT 546.8m * (1 - 19.43%))
Current Ratio = 28.21 (Total Current Assets 5.60b / Total Current Liabilities 198.6m)
Debt / Equity = 0.04 (Debt 198.6m / totalStockholderEquity, last quarter 5.50b)
Debt / EBITDA = -4.29 (Net Debt -2.34b / EBITDA 546.8m)
Debt / FCF = -4.75 (Net Debt -2.34b / FCF TTM 493.5m)
Total Stockholder Equity = 5.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.34% (Net Income 428.3m / Total Assets 33.66b)
RoE = 7.92% (Net Income TTM 428.3m / Total Stockholder Equity 5.41b)
RoCE = 9.21% (EBIT 546.8m / Capital Employed (Equity 5.41b + L.T.Debt 531.4m))
RoIC = 7.44% (NOPAT 440.5m / Invested Capital 5.92b)
WACC = 8.53% (E(5.90b)/V(6.10b) * Re(8.82%) + (debt cost/tax rate unavailable))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.20%
[DCF Debug] Terminal Value 76.09% ; FCFF base≈479.8m ; Y1≈477.4m ; Y5≈500.6m
Fair Price DCF = 74.08 (EV 7.98b - Net Debt -2.34b = Equity 10.33b / Shares 139.4m; r=8.53% [WACC]; 5y FCF grow -1.15% → 2.90% )
EPS Correlation: 60.25 | EPS CAGR: 11.75% | SUE: 0.75 | # QB: 0
Revenue Correlation: 91.75 | Revenue CAGR: 19.55% | SUE: 3.32 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.85 | Chg30d=+0.032 | Revisions Net=+3 | Analysts=4
EPS current Year (2026-12-31): EPS=3.53 | Chg30d=+0.126 | Revisions Net=+3 | Growth EPS=+5.5% | Growth Revenue=+4.7%
EPS next Year (2027-12-31): EPS=3.77 | Chg30d=+0.110 | Revisions Net=+2 | Growth EPS=+6.7% | Growth Revenue=+5.3%
P/E Forward = 13.5501
P/S = 4.9856
P/B = 1.0741
P/EG = 1.92
Revenue TTM = 1.75b USD
EBIT TTM = 546.8m USD
EBITDA TTM = 546.8m USD
Long Term Debt = 531.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 198.6m USD (from shortTermDebt, last quarter)
Debt = 198.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.34b USD (from netDebt column, last quarter)
Enterprise Value = 497.0m USD (5.90b + Debt 198.6m - CCE 5.60b)
Interest Coverage Ratio = 0.95 (Ebit TTM 546.8m / Interest Expense TTM 576.3m)
EV/FCF = 1.01x (Enterprise Value 497.0m / FCF TTM 493.5m)
FCF Yield = 99.28% (FCF TTM 493.5m / Enterprise Value 497.0m)
FCF Margin = 28.20% (FCF TTM 493.5m / Revenue TTM 1.75b)
Net Margin = 24.47% (Net Income TTM 428.3m / Revenue TTM 1.75b)
Gross Margin = 64.69% ((Revenue TTM 1.75b - Cost of Revenue TTM 618.0m) / Revenue TTM)
Gross Margin QoQ = 69.07% (prev 66.25%)
Tobins Q-Ratio = 0.01 (Enterprise Value 497.0m / Total Assets 33.66b)
Interest Expense / Debt = 71.81% (Interest Expense 142.6m / Debt 198.6m)
Taxrate = 19.43% (31.1m / 159.9m)
NOPAT = 440.5m (EBIT 546.8m * (1 - 19.43%))
Current Ratio = 28.21 (Total Current Assets 5.60b / Total Current Liabilities 198.6m)
Debt / Equity = 0.04 (Debt 198.6m / totalStockholderEquity, last quarter 5.50b)
Debt / EBITDA = -4.29 (Net Debt -2.34b / EBITDA 546.8m)
Debt / FCF = -4.75 (Net Debt -2.34b / FCF TTM 493.5m)
Total Stockholder Equity = 5.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.34% (Net Income 428.3m / Total Assets 33.66b)
RoE = 7.92% (Net Income TTM 428.3m / Total Stockholder Equity 5.41b)
RoCE = 9.21% (EBIT 546.8m / Capital Employed (Equity 5.41b + L.T.Debt 531.4m))
RoIC = 7.44% (NOPAT 440.5m / Invested Capital 5.92b)
WACC = 8.53% (E(5.90b)/V(6.10b) * Re(8.82%) + (debt cost/tax rate unavailable))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.20%
[DCF Debug] Terminal Value 76.09% ; FCFF base≈479.8m ; Y1≈477.4m ; Y5≈500.6m
Fair Price DCF = 74.08 (EV 7.98b - Net Debt -2.34b = Equity 10.33b / Shares 139.4m; r=8.53% [WACC]; 5y FCF grow -1.15% → 2.90% )
EPS Correlation: 60.25 | EPS CAGR: 11.75% | SUE: 0.75 | # QB: 0
Revenue Correlation: 91.75 | Revenue CAGR: 19.55% | SUE: 3.32 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.85 | Chg30d=+0.032 | Revisions Net=+3 | Analysts=4
EPS current Year (2026-12-31): EPS=3.53 | Chg30d=+0.126 | Revisions Net=+3 | Growth EPS=+5.5% | Growth Revenue=+4.7%
EPS next Year (2027-12-31): EPS=3.77 | Chg30d=+0.110 | Revisions Net=+2 | Growth EPS=+6.7% | Growth Revenue=+5.3%