United Bankshares Inc (UBSI)
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This stock currently matches 4 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 48.90 $ — 99% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 14.5%
- Exp. sales growth 3Y > 5% -14.1%
- EBIT growth 10Y > 5% 11.4%
- Exp. EBIT growth 3Y > 5% 8.2%
- Net debt < 4x EBIT -7.9x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 2.5%
- Return on equity > 15% 13.5%
- ROCE > 15% 1.8%
- Expected return > 10% 15.9%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 16.7% passed
- More than 10% revenue growth is expected for the coming year 5.0% failed
- Share count grows by less than 3% a year 1.4% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 38.8% failed
- Gross margin at 40% or higher and without meaningful erosion 65.4% passed
- Goodwill from acquisitions does not grow faster than revenue 6.0% passed
- Net debt below twice EBITDA 4,681 m net cash passed
- Operating cash flow covers the profits of the last three years 176 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.8% failed
- Insiders hold at least 10% or are net buyers 2.2% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 2.2% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.69 | 3.65 – 3.70 | 1,293 | 10.2% | 6 |
| 12/31/2027 | 3.86 | 3.80 – 3.90 | 1,343 | 4.6% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.93 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.70 | 18.30 | 405 | 0.80 | 23.30 | 136 | 134 |
| 2025: Q1 | 0.59 | -8.00 | 433 | 8.20 | 19.50 | 120 | 116 |
| 2025: Q2 | 0.85 | 18.80 | 452 | 12.20 | 26.70 | 89 | 85 |
| 2025: Q3 | 0.92 | 30.60 | 475 | 14.80 | 27.50 | 151 | 159 |
| 2025: Q4 | 0.91 | 31.40 | 461 | 14.00 | 27.90 | 139 | 127 |
| 2026: Q1 | 0.89 | 50.10 | 448 | 3.50 | 27.80 | 161 | 156 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 539 | 223 | 147 | 1.99 | 171 | 2,236 | 14,509 |
| 2017 | 754 | 285 | 151 | 1.54 | 254 | 3,241 | 19,059 |
| 2018 | 841 | 327 | 256 | 2.46 | 294 | 3,252 | 19,251 |
| 2019 | 911 | 324 | 260 | 2.55 | 148 | 3,364 | 19,662 |
| 2020 | 1,138 | 360 | 289 | 2.41 | 140 | 4,298 | 26,184 |
| 2021 | 1,059 | 463 | 368 | 2.84 | 610 | 4,719 | 29,329 |
| 2022 | 1,146 | 476 | 380 | 2.81 | 761 | 4,516 | 29,489 |
| 2023 | 1,529 | 464 | 366 | 2.72 | 435 | 4,771 | 29,926 |
| 2024 | 1,621 | 465 | 373 | 2.75 | 445 | 4,993 | 30,024 |
| 2025 | 1,821 | 590 | 465 | 3.30 | 499 | 5,496 | 33,660 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
United Bankshares, Inc. bietet über ihre Tochtergesellschaften Firmenkunden- und Privatkunden-Bankprodukte und -dienstleistungen in den USA an.
| Employees | 2,740 |
|---|---|
| Headquarters | Charleston, WV |
| Address | 300 United Center, 25301 Charleston, United States |
| Phone | 304 424 8716 |
| Website | ubsi-inc.com |
| IPO Date | 26. Mar 1990 |
| ISIN | US9099071071 |
| Stock Split | 2:1 on 03/30/1998 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Richard M. Adams Sr. | Executive Chairman of the Board | 1947 |
| Richard Matthew Adams Jr., M.D. | CEO & Director | 1968 |
| W. Mark Tatterson | Executive VP, CFO & Treasurer | 1975 |
| Darren K. Williams | Executive VP and Chief Information & Risk Officer | 1972 |
| Ross M. Draber | Executive VP & COO | 1988 |
| Matthew Lee Humphrey | Executive VP and Head of Wealth & Investment Management | 1980 |
| Ami Lee Shaver | Executive VP & Chief Human Resources Officer | 1971 |
| Douglas Bryon Ernest | Executive VP & Chief Credit Officer | 1964 |
| Charles J. Mildren | Executive VP & Chief Consumer Lending Officer | 1972 |
| Julie Ritche Gurtis | Executive Vice President | 1963 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.