United Bankshares, Inc.

Valuation Analysis

About the Company

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 credi

United Bankshares, Inc. Stock at a Glance

United Bankshares, Inc. (UBSI) is currently trading at $45.65 with a market capitalization of $6.3B. The trailing P/E ratio stands at 12.79x, with a forward P/E of 12.03x. The 52-week range spans from $34.10 to $45.93; the current price is 0.6% below the yearly high. Year-over-year revenue growth stands at +10.6%. The net profit margin stands at 40.96%.

💰 Dividend

United Bankshares, Inc. pays an annual dividend of $1.52 per share, representing a yield of 3.33%. The payout ratio stands at 42.02%.

📊 Analyst Rating

5 analysts rate United Bankshares, Inc. (UBSI) on consensus: None. The average price target is $47.40, implying +3.83% from the current price. Analyst price targets range from $45.00 to $50.00.

United Bankshares, Inc.: The Investment Case in Detail

United Bankshares, Inc. (UBSI) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 10.6% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 50.6% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The share is trading at 97.6% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.33% combined with a payout ratio of 42.02% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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