Skip to main content
UBSIUnited Bankshares, Inc.Hold6.1·$45.00-1.42%
Open full analysis

United Bankshares, Inc. (UBSI) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $45.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.0% away).

United Bankshares is a $33.7B-asset financial holding company operating United Bank across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, and Washington D.C. Net interest income on loans and deposits is the primary revenue source; commercial real... Read more

$45.00+0.4% A.UpsideScore 6.1/10#46 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.33%(5y avg 4.02%)Payout42.02%sustainable
Stop $43.22Target $45.17(resistance)A.R:R -1.1:1
Analyst target$47.40+5.3%5 analysts
$45.17our TP
$45.00price
$47.40mean
$50

Hold if already holding. Not a fresh buy at $45.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.0% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 37d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202637d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.0% away)

Key Metrics

P/E (TTM)12.8
P/E (Fwd)12.0
Mkt Cap$6.3B
EV/EBITDA
Profit Mgn41.0%
ROE9.3%
Rev Growth10.6%
Beta0.74
Dividend3.33%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.18bullish
IV102%elevated
Max Pain$23-50.0% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

Show full disclosure ▾

About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.

Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.

No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.

Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.1=NEGATIVEMomentum 6.9>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 37d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
61 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $41.54Resistance $46.09

Price Targets

$43
$45
A.Upside+0.4%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-8.4% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (37d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is UBSI stock a buy right now?

Hold if already holding. Not a fresh buy at $45.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.0% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Target $45.17 (+0.4%), stop $43.22 (−4.1%), A.R:R -1.1:1. Score 6.1/10, moderate confidence.

What is the UBSI stock price target?

Take-profit target: $45.17 (+0.4% upside). Target $45.17 (+0.4%), stop $43.22 (−4.1%), A.R:R -1.1:1. Stop-loss: $43.22.

What are the risks of investing in UBSI?

Analyst target reached - limited upside remaining; Near 52-week high (2.0% away).

Is UBSI overvalued or undervalued?

United Bankshares, Inc. trades at a P/E of 12.8 (forward 12.0). TrendMatrix value score: 7.6/10. Verdict: Hold.

What do analysts say about UBSI?

11 analysts cover UBSI with a consensus score of 3.8/5. Average price target: $47.

What does United Bankshares, Inc. do?United Bankshares is a $33.7B-asset financial holding company operating United Bank across West Virginia, Virginia,...

United Bankshares is a $33.7B-asset financial holding company operating United Bank across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, and Washington D.C. Net interest income on loans and deposits is the primary revenue source; commercial real estate and construction loans represent approximately 48% of the total loan portfolio.

Related stocks: CUBI (Customers Bancorp, Inc) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · GABC (German American Bancorp, Inc.) · INTR (Inter & Co. Inc.)
Home Stocks UBSI

Latest news

Latest News

MarketBeat55d ago
TradingView61d ago
MarketBeat56d agoAnalyst
Yahoo Finance60d ago
MarketBeat61d agoEarnings
TradingView60d ago
Seeking Alpha60d ago