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    United Bankshares Inc (UBSI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $46.60
    +0.82 (+1.79%)

    Market Cap: $6.24B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    82%(32/39)
    Avg Surprise
    +7.36%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.93
    Range$0.91 - $0.95
    6 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.91+2.0%
    60d ago$0.93+0.2%
    30d ago$0.93+0.2%
    7d ago$0.930.0%
    Current$0.93
    Revenue Consensus
    $326M
    Range$324M - $328M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.02
    Range$0.98 - $1.05
    6 analysts
    Revenue Consensus
    $329M
    Range$321M - $333M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.02---
    Sep 26EST
    		-$0.93---
    Jun 26
    Reported Jul 23
    		$0.95$0.89+6.74%Beat+11.8%
    Mar 26
    Reported Apr 23
    		$0.89$0.85+4.71%Beat+17.1%
    Dec 25
    Reported Jan 22
    		$0.91$0.86+5.81%Beat+31.9%
    Sep 25
    Reported Oct 23
    		$0.92$0.82+12.20%Beat+31.4%
    Jun 25
    Reported Jul 24
    		$0.85$0.78+8.97%Beat+19.7%
    Mar 25
    Reported Apr 24
    		$0.76$0.63+20.63%Beat+18.8%
    Dec 24
    Reported Jan 24
    		$0.69$0.68+1.47%Beat+16.9%
    Sep 24
    Reported Oct 24
    		$0.70$0.67+4.48%Beat-1.4%
    Jun 24
    Reported Jul 25
    		$0.71$0.64+10.94%Beat+4.4%
    Mar 24
    Reported Apr 25
    		$0.64$0.65-1.54%Miss-12.3%
    Dec 23
    Reported Jan 26
    		$0.59$0.67-11.94%Miss-20.3%
    Sep 23
    Reported Oct 25
    		$0.71$0.65+9.23%Beat-6.6%
    Jun 23
    Reported Jul 27
    		$0.68$0.66+3.03%Beat-4.2%
    Mar 23
    Reported Apr 26
    		$0.73$0.74-1.35%Miss+21.7%
    Dec 22
    Reported Jan 26
    		$0.74$0.78-5.13%Miss+7.2%
    Sep 22
    Reported Oct 27
    		$0.76$0.66+15.15%Beat+5.6%
    Jun 22
    Reported Jul 28
    		$0.71$0.63+12.70%Beat-2.7%
    Mar 22
    Reported Apr 26
    		$0.60$0.60+0.00%Beat-25.9%
    Dec 21
    Reported Jan 27
    		$0.69$0.61+13.11%Beat-2.8%
    Sep 21
    Reported Oct 26
    		$0.72$0.65+10.77%Beat-18.2%
    Jun 21
    Reported Jul 23
    		$0.73$0.69+5.80%Beat-3.9%
    Mar 21
    Reported Apr 23
    		$0.81$0.72+12.50%Beat+107.7%
    Dec 20
    Reported Jan 28
    		$0.71$0.57+24.56%Beat+14.5%
    Sep 20
    Reported Oct 23
    		$0.88$0.56+57.14%Beat+35.4%
    Jun 20
    Reported Jul 24
    		$0.76$0.43+76.74%Beat+15.2%
    Mar 20
    Reported Apr 30
    		$0.39$0.49-20.41%Miss-37.1%
    Dec 19
    Reported Jan 29
    		$0.62$0.61+1.64%Beat+1.6%
    Sep 19
    Reported Oct 24
    		$0.65$0.63+3.17%Beat+4.8%
    Jun 19
    Reported Jul 25
    		$0.66$0.64+3.13%Beat+4.8%
    Mar 19
    Reported Apr 25
    		$0.62$0.61+1.64%Beat+5.1%
    Dec 18
    Reported Jan 29
    		$0.61$0.61+0.00%Beat+15.1%
    Sep 18
    Reported Oct 25
    		$0.62$0.63-1.59%Miss+14.8%
    Jun 18
    Reported Jul 26
    		$0.63$0.61+3.28%Beat+21.2%
    Mar 18
    Reported Apr 26
    		$0.59$0.59+0.00%Beat+31.1%
    Dec 17
    Reported Jan 30
    		$0.53$0.52+1.92%Beat+3.9%
    Sep 17
    Reported Oct 26
    		$0.54$0.54+0.00%Beat-
    Jun 17
    Reported Jul 27
    		$0.52$0.51+1.96%Beat-
    Mar 17
    Reported Apr 27
    		$0.45$0.48-6.25%Miss-
    Dec 16
    Reported Jan 31
    		$0.51$0.50+2.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.26%
    Forward Annual Dividend$1.52
    Payout Ratio40.71%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+1.14%
    5Y CAGR+1.25%
    UBSI dividend history and ex-dividend datesRun UBSI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio12.70EV/EBITDA10.63x
    Price/FCF12.04xFCF Yield8.30%
    Profitability
    Profit Margin41.20%Operating Margin53.10%
    ROE9.47%ROIC8.30%
    Financial Health
    Debt/Equity0.13xInterest Coverage1.15x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.74Avg Volume1.15M
    52-Week High$49.2252-Week Low$33.21

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$46.00
    SMA 20$46.26
    SMA 50$47.00
    SMA 200$43.89
    EMA 10$46.04
    EMA 20$46.26
    EMA 50$46.52
    EMA 200$43.89

    MACD

    Line: -0.29Signal: -0.32Hist: 0.02

    ADX

    ADX: 29.6+DI: 21.1-DI: 26.4

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down96.0
    PSAR$47.04

    Bollinger Bands

    Upper Band$47.30
    Lower Band$45.22
    %B Position449%(Upper)
    Band Width0.66

    RSI (14-Day)

    Neutral
    52.1

    Momentum Oscillators

    Stoch %K43.8
    Stoch %D35.2
    Williams %R-30.9
    ROC (10d)0.4%
    Momentum0.20
    CCI (20d)20.9
    MFI (14d)27.7

    Volatility Measures

    ATR (14d)$0.82(1.8%)
    StdDev (20d)0.52
    Hist Vol14.9%(Low)

    Volume Flow

    VWAP$46.41
    OBV28.6M
    AD Line-489.6M
    CMF (20d)-0.050

    Volume Metrics

    Avg Vol (20d)1.1M
    Vol Ratio1.1x
    VWMA (20d)$46.38

    Pivot Points

    R3$46.94
    R2$46.41
    R1$46.09
    Pivot Point$45.56
    S1$45.24
    S2$44.71
    S3$44.39

    Advanced Oscillators

    TSI-11.47
    Ultimate Osc56.5
    KST-24.48

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$323.82M$316.58M$318.39M$323.32M$306.00M$289.61M$261.93M$262.20M$255.94M$254.70M$255.22M$262.11M
    Cost of RevenueN/A$141.19M$142.60M$162.94M$152.55M$172.69M$150.12M$159.41M$154.25M$152.43M$146.36M$134.41M
    Gross ProfitN/A$306.36M$318.39M$312.00M$299.50M$259.92M$254.35M$254.22M$248.51M$247.41M$255.08M$254.46M
    Operating Expenses$154.72M$152.81M$151.72M$146.74M$148.02M$153.57M$134.18M$135.34M$134.77M$140.74M$152.29M$135.23M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$155.99M$166.68M$164.48M$152.09M$106.93M$121.06M$119.92M$115.39M$108.22M$104.20M$120.94M
    Interest Income$418.20M$415.93M$430.05M$430.96M$421.20M$403.65M$376.03M$382.72M$374.18M$369.18M$369.18M$356.91M
    Interest Expense$132.88M$133.41M$142.60M$150.84M$146.66M$143.59M$143.43M$152.47M$148.47M$146.69M$139.49M$128.46M
    Income Before Tax$164.14M$155.99M$159.90M$164.48M$152.09M$106.93M$121.06M$119.92M$115.39M$108.22M$104.20M$120.94M
    Income Tax Expense$32.77M$31.79M$31.07M$33.73M$31.37M$22.63M$26.65M$24.65M$18.88M$21.41M$24.81M$24.78M
    Net Income$131.38M$124.20M$128.83M$130.75M$120.72M$84.31M$94.41M$95.27M$96.51M$86.81M$79.39M$96.16M
    EBITDA$164.14M$155.99M$159.90M$164.48M$152.09M$106.93M$121.06M$119.92M$115.39M$108.22M$96.06M$120.94M
    EBIT$164.14M$155.99M$159.90M$164.48M$152.09M$106.93M$121.06M$119.92M$115.39M$108.22M$96.06M$120.94M
    * Some calculated fields are derived from available data when not provided by source

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    News

    United Bankshares, Inc. UBSI Stock Forecast & Price Target

    This article provides an in-depth look at United Bankshares, Inc. (UBSI) stock forecast and price targets based on analyst recommendations. It includes a comprehensive list of analyst reports from Argus...

    Yahoo! Finance Canada•10/16/26•Bullish

    United Bankshares plans Florida expansion. United Bankshares stock yields 3.30 percent

    United Bankshares (UBSI) is expanding its regional banking strategy into Florida with a new office planned for Palm Beach, announced on October 8, 2026. The company reported strong second-quarter earnings...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    United Bankshares plans Florida expansion. United Bankshares stock yields 3.30 percent

    United Bankshares (UBSI) is expanding into Florida with a new office in Palm Beach, aiming to serve commercial, private banking...

    ad-hoc-news.de•10/15/26•Bullish

    United Bankshares, Inc. (NASDAQ:UBSI) Stock Has Consensus Price Target of $47.80

    United Bankshares, Inc. (NASDAQ:UBSI) has a consensus "Hold" rating from analysts, with an average 12-month price target of $47.80...

    MarketBeat•10/13/26•Somewhat-Bullish

    United Bankshares plans Florida expansion with Palm Beach office

    United Bankshares Inc. is expanding into Florida with a new full-service banking office in Palm Beach, subject to regulatory approval. This move is part of the company's broader strategy to grow across the Southeast...

    The Parkersburg News and Sentinel•10/10/26•Bullish

    UBSI Valuation and Fair Value

    P/E
    12.7x
    Forward P/E
    13.6x
    EV/EBITDA
    10.6x
    P/FCF
    12.0x
    PEG
    1.9x
    P/B
    1.2x
    See GNG's fair value

    UBSI Profitability: Margins, ROIC and FCF

    Operating margin
    53.1%
    Net margin
    41.2%
    ROIC
    8.3%
    ROE
    9.5%
    FCF margin
    41.6%
    FCF yield
    8.3%

    UBSI Competitors

    CompanyTicker
    First American CorporationFAF
    Intercorp Financial Services IncIFS
    OneMain Holdings IncOMF
    F.N.B. CorpFNB
    Victory Capital Holdings IncVCTR
    PJT Partners IncPJT
    Terawulf IncWULF
    Grupo AvalAVAL

    Sector: Financial Services

    UBSI Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    2
    Buy
    0
    Hold
    4
    Sell
    0
    Strong Sell
    0

    UBSI Bull Case vs Bear Case

    Bull case

    • UBSI converts 41.6% of revenue into free cash flow.
    • UBSI has a 41.2% net profit margin.
    • UBSI beat EPS estimates in 100.0% of its last 8 reported quarters.

    UBSI Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    8.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.93
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    UBSI Dividend

    Forward yield
    3.3%
    Payout ratio
    40.7%
    3Y DPS growth
    1.1%
    5Y DPS growth
    1.3%
    Pay months
    Jan, Apr, Jul, Oct
    UBSI dividend history

    Frequently Asked Questions About UBSI

    What is UBSI's current dividend yield?

    United Bankshares Inc (UBSI) has a forward dividend yield of 3.26%.

    Does UBSI pay dividends?

    Yes, United Bankshares Inc pays dividends with a forward dividend yield of 3.26%.

    What is UBSI's P/E ratio?

    United Bankshares Inc has a price-to-earnings (P/E) ratio of 12.70.

    What is UBSI's market cap?

    United Bankshares Inc (UBSI) has a market capitalization of $6.24B with a current stock price of $46.60.

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