United Bankshares UBSI
United StatesFinancial Services · Banks - RegionalUSD
50.33 USD (+11.0%)
6 analysts
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United Bankshares, Inc. is a US regional bank offering commercial and consumer banking services, including loans, deposits, and wealth management, primarily in Virginia, West Virginia, Maryland, Ohio, Pennsylvania, and Washington D.C.
Key points
from its scores- ✓High-quality business9.7
- ✓Attractive dividend7.7
- ✓Good share-price trend7.3
- ✕Fragile balance sheet3.9
- !Somewhat demanding valuation5.7
AI analysis
bottom line, main risk, context and newsThe combination of reasonable valuation, solid profitability, and an attractive dividend compensates for the risk of margin compression from the rate environment.
United Bankshares shows solid profitability (ROE of 9.47% and net margin of 41.20%) and an attractive valuation (P/E of 12.35), with earnings growth of 12.20% and a net dividend yield of 3.35%. The main challenge is pressure on the net interest margin in a rising long-term rate environment, although its capital position and operational efficiency give it room to manage this.
The main risk is net interest margin compression if the cost of deposits rises faster than the yield on assets in a rising long-term rate environment, which could affect future profitability.
Context and risks
United Bankshares operates in a US regional banking sector under active regulatory oversight, with capital requirements and stress tests that condition its ability to return capital to shareholders. The rise in long-term US interest rates (10-year Treasury at 5.28%) compresses the value of bond portfolios and can pressure net interest margins if deposit costs rise faster than asset yields.
Is United Bankshares stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 25% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 12.4 | 13.7 | −10% |
| Price / book | 1.1 | 1.9 | −39% |
| Price / sales | 4.9 | 3.5 | +43% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.7 out of 10 (median for Financial Services: 5.2).
Average analyst target: 50.33 USD, +11.0% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 3.9 (sector 5.5), Growth 6.2 (sector 6.9).
Classic formulas with standard assumptions (5.4% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 12.4
- Forward P/E
- 11.7
- Price / book
- 1.1
- Price / sales
- 4.9
- PEG
- 1.95
- Market cap
- 6.2B USD
- Enterprise value
- 4.9B USD
Profitability
- ROE
- 9.5%
- ROA
- 1.5%
- ROIC (approx.)
- 10.6%
- Gross margin
- 0.0%
- Operating margin
- 53.1%
- Net margin
- 41.2%
Solvency
- Total debt
- 799.4M USD
- Net debt
- −1.3B USD
- Cash
- 2.1B USD
Growth
- Revenue growth
- +6.2%
- Earnings growth
- +12.2%
- EPS (TTM)
- 3.67 USD
- EPS (forward)
- 3.87 USD
Dividend
- Dividend yield
- 3.4%
- Payout
- 41.1%
Risk and market
- Beta
- 0.74
- Analyst consensus
- none (6)
- Target price
- 50.33 USD
- 52-week range
- 34.10 – 49.62
Recent news
All UBSI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about United Bankshares
Is United Bankshares stock cheap or expensive?
On P/E and Price / book, it trades 25% below the Financial Services median on average. Valuation score: 5.7 out of 10 (median for Financial Services: 5.2). Average analyst target: 50.33 USD, +11.0% versus the price. This is not investment advice.
What score does United Bankshares get on MeridIAn Screener?
It scores 6.7 out of 10, rank 415 of 2,130 (better than 80% of the companies analysed). Its strongest category is Quality / Moat (9.7) and its weakest, Financial health (3.9). Analysis of 08/10/2026.
What is United Bankshares's P/E ratio?
Its P/E is 12.4: the share price equals 12.4 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.7.
How much is United Bankshares worth on the stock market?
Its market capitalisation is 6.2B USD.
Does United Bankshares pay a dividend?
Yes: its dividend yield is 3.35% and it pays out 41% of its earnings.
How has United Bankshares stock performed over the last year?
It has risen 32.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 34.10 and 49.62 USD. Past performance does not guarantee future results.
What do analysts think of United Bankshares?
6 analysts cover it; their average recommendation is “none” and their average target is 50.33 USD (+11.0% versus the price). It is an estimate, not market data.