UBSI

BULLISH

$43.61 Live

United Bankshares, Inc. · NASDAQ

Target $45.8 (+5.0%)

$33.7 52W Range $45.93

UBSI United Bankshares, Inc. - Fundamental Analysis

BULLISH

Console Chart News

UBSI Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$43.61

Analyst Target

$45.8

+5.0% Upside

52W High

$45.93

52W Low

$33.7

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 22, 2026

Market cap

$6.09B

P/E

13.34

ROE

8.9%

Profit margin

38.6%

Debt/Equity

N/A

Dividend yield

3.44%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

UBSI presents a compelling value opportunity, trading significantly below both its Graham Number ($53.83) and Intrinsic Value ($96.47). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits powerful growth metrics with YoY revenue and earnings growth exceeding 29%. Despite a very bearish technical trend (10/100), the fundamental disconnect between the current price ($43.61) and its valuation benchmarks suggests a strong margin of safety.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Strong YoY growth in both revenue (29.40%) and earnings (32.00%)

Consistent track record of earnings beats over the last 25 quarters

Sustainable dividend profile with a 45.57% payout ratio

Low P/E ratio (13.34) compared to the financial services sector average (41.68)

Key Risks

Extremely bearish technical trend (10/100) indicating strong short-term selling pressure

Moderate Piotroski F-Score (4/9) suggests room for improvement in operational efficiency

Neutral insider sentiment with zero buy/sell activity in the last 6 months

PEG ratio of 1.95 suggests growth may be priced aggressively relative to current earnings

Exposure to regional banking sector volatility and interest rate sensitivity

AI Fair Value Estimate

Based on comprehensive analysis

$62.5

+43.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value Play

Key drivers: Deep discount to intrinsic value, Accelerating earnings growth, Consistent EPS surprise history

Confidence

80%

Value

92/100

Ref P/E 13.34, Graham Number $53.83

Positives

Price is 19% below Graham Number
P/B ratio of 1.11 is conservative for the sector
P/E is significantly lower than sector average

Watchpoints

PEG ratio is slightly elevated

Future

85/100

Ref Growth rates

Positives

32% YoY Earnings growth
21.81% Q/Q Revenue growth

Watchpoints

Recent Q/Q EPS growth slight dip (-1.1%)

Past

90/100

Ref Historical trends

Positives

3/4 beats in last 4 quarters
Long-term positive price change (5Y +40.4%)

Watchpoints

No urgent risks highlighted.

Health

55/100

Ref Piotroski F-Score

Positives

Stable Piotroski score

Watchpoints

Piotroski F-Score is only 4/9
Altman Z-Score not applicable for banking model

Dividend

70/100

Ref Yield 3.44%, Payout 45.57%

Positives

Healthy 3.44% yield
Conservative payout ratio

Watchpoints

Dividend strength score is mediocre (50/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$43.61

Analyst Target

$45.8

Upside/Downside

+5.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UBSI and closest competitors.

Updated 2026-04-21

Company	5Y	3Y	1Y	6M	1M	1W
UBSI United Bankshares, Inc. Primary	+40.4%	+46.3%	+37.7%	+25.4%	+8.1%	-0.0%
ACT Enact Holdings, Inc. Peer	+145.2%	+101.6%	+25.8%	+5.2%	-6.5%	-2.3%
MKTX MarketAxess Holdings Inc. Peer	-65.4%	-45.9%	-20.2%	+1.9%	-3.1%	-0.3%
HWC Hancock Whitney Corporation Peer	+78.4%	+106.5%	+48.3%	+24.4%	+13.2%	+2.6%
AVAL Grupo Aval Acciones y Valores S.A. Peer	-3.3%	+123.2%	+108.0%	+59.6%	+9.6%	+8.1%

UBS

United Bankshares, Inc.

Primary

+40.4%

+46.3%

+37.7%

+25.4%

+8.1%

-0.0%

ACT

Enact Holdings, Inc.

Peer

+145.2%

+101.6%

+25.8%

+5.2%

-6.5%

-2.3%

MKT

MarketAxess Holdings Inc.

Peer

-65.4%

-45.9%

-20.2%

+1.9%

-3.1%

-0.3%

HWC

Hancock Whitney Corporation

Peer

+78.4%

+106.5%

+48.3%

+24.4%

+13.2%

+2.6%

AVA

Grupo Aval Acciones y Valores S.A.

Peer

-3.3%

+123.2%

+108.0%

+59.6%

+9.6%

+8.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

13.34

11.63

1.95

1.11

5.07

3.62

N/A

$6.09B

Profitability

Profit margins and return metrics

Profit Margin 38.65%

Operating Margin 56.45%

Gross Margin N/A

ROE 8.86%

ROA 1.46%

Growth

Revenue and earnings growth rates

Revenue Growth +29.4%

Earnings Growth +32.0%

Q/Q Revenue Growth +21.81%

Q/Q Earnings Growth +36.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$18.28

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.3B

Net Margin

40.5%

Total Assets

$33.7B

Liabilities

$28.2B

Equity

$5.5B

Debt/Equity

5.12x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-22

$0.91

+6.1% surprise

2025-10-23

$0.92

+11.7% surprise

2025-07-24

$0.85

+10.3% surprise

Financial Services Sector Comparison

Comparing UBSI against 586 companies in the Financial Services sector (108 bullish, 244 neutral, 234 bearish)

P/E Ratio

13.34

This Stock

41.27

Sector Avg

-67.7% (Discount)

Return on Equity (ROE)

8.86%

This Stock

-0.07%

Sector Avg

-12201.9% (Below Avg)

Profit Margin

38.65%

This Stock

47.24%

Sector Avg

-18.2% (Weaker)

Revenue Growth

29.4%

This Stock

38.08%

Sector Avg

-22.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
UBSI United Bankshares, Inc.	BULLISH	$6.09B	13.34	8.9%	38.6%	$43.61
ACT Enact Holdings, Inc.	NEUTRAL	$5.85B	8.96	13.0%	54.6%	$40.49	Compare
MKTX MarketAxess Holdings Inc.	NEUTRAL	$6.49B	26.25	19.4%	29.1%	$174.56	Compare
HWC Hancock Whitney Corporation	BULLISH	$5.66B	12.23	11.3%	33.3%	$69.35	Compare
AVAL Grupo Aval Acciones y Valores S.A.	BEARISH	$5.58B	12.65	9.2%	12.3%	$4.68	Compare

UBSI United Bankshares, Inc.

BULLISH

Mkt Cap

$6.1B

P/E

13.3

ROE

8.9%

Price

$43.61

ACT Enact Holdings, Inc.

Compare with UBSI

Compare with UBSI

Compare with UBSI

Compare with UBSI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-23	ADAMS RICHARD M. JR.	Chief Executive Officer	Stock Award	17,087	-
2026-02-23	WILLIAMS DARREN K.	Officer	Stock Award	4,252	-
2026-02-23	TATTERSON WILLIAM MARK	Officer	Stock Award	9,250	-
2026-02-23	ERNEST DOUGLAS BRYAN	Officer	Stock Award	3,752	-
2026-02-23	DRABER ROSS M	Officer	Stock Award	3,700	-
2026-02-23	ADAMS RICHARD M SR	Officer and Director	Stock Award	16,008	-
2026-02-23	CONSAGRA JAMES J JR	Chief Operating Officer	Stock Award	13,978	-
2026-02-19	ADAMS RICHARD M. JR.	Chief Executive Officer	Stock Award	26,209	-
2026-02-19	KAYES HENRY M JR	Officer	Stock Award	5,446	-
2026-02-19	SMALL ALBERT H JR.	Director	Stock Award	1,588	-
2026-02-19	WHITE GARY G	Director	Stock Award	1,588	-
2026-02-19	WILLIAMS DARREN K.	Officer	Stock Award	4,784	-
2026-02-19	TATTERSON WILLIAM MARK	Officer	Stock Award	10,733	-
2026-02-19	ERNEST DOUGLAS BRYAN	Officer	Stock Award	4,213	$185,667
2026-02-19	HARRIS PATRICE A.	Director	Stock Award	1,588	-

ADAMS RICHARD M. JR.

Chief Executive Officer

Stock Award

2026-02-23

17,087 shares

WILLIAMS DARREN K.

Officer

Stock Award

2026-02-23

4,252 shares

TATTERSON WILLIAM MARK

Officer

Stock Award

2026-02-23

9,250 shares

ERNEST DOUGLAS BRYAN

Officer

Stock Award

2026-02-23

3,752 shares

DRABER ROSS M

Officer

Stock Award

2026-02-23

3,700 shares

ADAMS RICHARD M SR

Officer and Director

Stock Award

2026-02-23

16,008 shares

CONSAGRA JAMES J JR

Chief Operating Officer

Stock Award

2026-02-23

13,978 shares

ADAMS RICHARD M. JR.

Chief Executive Officer

Stock Award

2026-02-19

26,209 shares

KAYES HENRY M JR

Officer

Stock Award

2026-02-19

5,446 shares

SMALL ALBERT H JR.

Director

Stock Award

2026-02-19

1,588 shares

WHITE GARY G

Director

Stock Award

2026-02-19

1,588 shares

WILLIAMS DARREN K.

Officer

Stock Award

2026-02-19

4,784 shares

TATTERSON WILLIAM MARK

Officer

Stock Award

2026-02-19

10,733 shares

ERNEST DOUGLAS BRYAN

Officer

Stock Award

2026-02-19

4,213 shares · $185,667

HARRIS PATRICE A.

Director

Stock Award

2026-02-19

1,588 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-01

UBSI filed a Definitive Proxy Statement on April 1, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K

2026-02-27

UBSI filed its annual 10-K report on February 27, 2026. Due to the lack of detailed content in the provided excerpts, specific financial highlights and risk factors are unavailable.

8-K

2026-01-22

Ubiquiti Inc. filed an 8-K on January 22, 2026, likely to announce its quarterly or annual financial results.

8-K

2025-11-21

10-Q

2025-11-07

UBSI filed its quarterly 10-Q report on November 7, 2025. Due to the limited content provided in the excerpts, specific financial highlights and risk factors are not available for summary.

8-K

2025-10-23

Ubiquiti Inc. filed an 8-K on October 23, 2025, likely to announce its third-quarter financial results.

10-Q

2025-08-08

UBSI filed its quarterly 10-Q report on August 8, 2025. While the filing includes a section dedicated to risk factors, no specific financial highlights or detailed risk descriptions were provided in the available excerpt.

8-K

2025-08-04

Ubiquiti Inc. likely reported its second-quarter financial results in this 8-K filing.

8-K

2025-07-24

Ubiquiti Inc. filed an 8-K on July 24, 2025, likely to announce its second-quarter financial results.

8-K

2025-05-19

10-Q

2025-05-09

8-K

2025-04-24

DEF 14A

2025-04-01

10-K

2025-02-28

8-K

2025-01-24

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

5 analysts

Keefe, Bruyette & Woods

2026-01-26

Maintains

Market Perform Market Perform

Stephens & Co.

2026-01-23

Maintains

Equal-Weight Equal-Weight

Piper Sandler

2025-10-24

Neutral Overweight

Past News Coverage

Recent headlines mentioning UBSI from our newsroom.

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UBSI

UBSI United Bankshares, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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