United Bankshares, Inc. (UBSI)
Fair ValueFundamental
63
Price
$48.67
Market Cap
$6.43B
Part 1 · What the company is worth
Overview
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.24B
Fiscal year ended 12/31/2025
Net Income
$465M
Fiscal year ended 12/31/2025
Free Cash Flow
$481M
Total Equity
$5.50B
Total Liabilities
$28.16B
Current Ratio
-
Interest Coverage
0.53
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$44.26
Current Price
$48.67
Margin of Safety
-10.0%
Fair Value Range
$38.85 - $49.67
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
13.26
ROE
8.5%
P/B Ratio
1.20
P/FCF
12.42
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- P/FCF 12.42
- P/B ratio 1.20
- Operating margin 47.2%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 9.4%
- Revenue growth 5Y 9.9%
- Earnings surprise, average 5.3%
- PEG ratio 1.96
- Earnings quality (operating cash flow / net income) 1.08
- Piotroski F-Score 5/9
Failed (7)
- EPS CAGR 2.93%
- Price CAGR -0.01%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Overvalued)
- Share dilution 4.8%
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
- Net margin trend (invalid data)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Richard M. Adams Sr. | Executive Chairman of the Board | 78 |
| Mr. Richard Matthew Adams Jr., M.D. | CEO & Director | 57 |
| Mr. James J. Consagra Jr., CPA | President | 64 |
| Mr. W. Mark Tatterson | Executive VP, CFO & Treasurer | 50 |
| Mr. Darren K. Williams | Executive VP and Chief Information & Risk Officer | 53 |
| Mr. Ross M. Draber | Executive VP & COO | 37 |
| Mr. Matthew Lee Humphrey | Executive VP and Head of Wealth & Investment Management | 45 |
| Ms. Ami Lee Shaver | Executive VP & Chief Human Resources Officer | 54 |
| Mr. Douglas Bryon Ernest | Executive VP & Chief Credit Officer | 61 |
| Mr. Charles J. Mildren | Executive VP & Chief Consumer Lending Officer | 53 |
Audit Risk
3
Board Risk
8
Compensation Risk
1
Shareholder Rights Risk
2
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-07
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-22
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much UBSI moves, measured on its daily prices.
More volatile than 1% of the tracked stocks (90-day volatility).
- Volatility 30d
- 16.2%
- Volatility 90d
- 16.5%
- Beta vs S&P 500 (1y)
- 0.39Correlation 0.24
- Max drawdown (12m)
- -14.1%
- ATR (14d, % of price)
- 1.79%
Earnings reactions
How UBSI moved around its past quarterly results.
Next earnings release
Jan 21, 2027 · In 89 days · Before the open
EPS estimate: 0.97Revenue estimate: $328M
What usually happens
- Over the last 12 releases the stock moved a median of 0.8% the next day, up or down.
- Next-day moves: up 6, down 6 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 22, 2026 | Before the open | 0.93 | n/a | n/a | -0.6% | +2.7% | n/a |
| Jul 23, 2026 | Before the open | 0.90 | 0.95 | +5.0% | -0.2% | +1.0% | +4.2% |
| Apr 23, 2026 | Before the open | 0.87 | 0.89 | +2.7% | +0.3% | +1.2% | -0.1% |
| Jan 22, 2026 | Before the open | 0.88 | 0.91 | +3.4% | -0.4% | -0.1% | -2.4% |
| Oct 23, 2025 | Before the open | 0.84 | 0.92 | +10.0% | +0.9% | -0.8% | +1.0% |
| Jul 24, 2025 | Before the open | n/a | n/a | n/a | +0.8% | -0.7% | -2.8% |
| Apr 24, 2025 | Before the open | n/a | n/a | n/a | -0.9% | 0.0% | -0.5% |
| Jan 24, 2025 | Before the open | n/a | n/a | n/a | 0.0% | +0.2% | +0.3% |
| Oct 24, 2024 | Before the open | n/a | n/a | n/a | -1.0% | +0.8% | +3.6% |
| Jul 25, 2024 | Before the open | n/a | n/a | n/a | +1.5% | +3.5% | +5.2% |
| Apr 25, 2024 | Before the open | n/a | n/a | n/a | -0.7% | -4.0% | -4.3% |
| Jan 26, 2024 | Before the open | n/a | n/a | n/a | +2.4% | -0.5% | -3.4% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on UBSI and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for UBSI.