United Bankshares, Inc. (UBSI)Financial Services | Banks - Regional | Charleston, United States | NasdaqGS
46.81 USD
+0.21
(0.451%)
⇧
(Oct. 16, 2026, 11:50 a.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 11:06 a.m. EDT
United Bankshares presents a compelling value case for patient capital, trading at a discount to book value despite robust profitability metrics. The company recently posted record earnings and expanded its loan portfolio, signaling operational strength. However, the stock has underperformed over the last decade, dropping roughly 7% from its peak, which reflects lingering market skepticism about regional bank stability. While the payout ratio is healthy at 41%, the dividend yield of 3.3% is attractive but not exceptional enough to fully offset the lack of recent price appreciation. Technically, the stock is hovering near its 200-day average, suggesting a consolidation phase. The recent earnings beat provides a floor, but the path to the analyst mean target requires a recovery in relative performance. This is a solid hold for income-focused investors willing to wait for a multiple expansion, but it lacks the explosive momentum required for aggressive short-term gains. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.040487 |
| AutoARIMA | 0.042052 |
| AutoETS | 0.042920 |
| AutoTheta | 0.048471 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 51% |
| H-stat | 4.49 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.751 |
| Excess Kurtosis | 0.10 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-09-10 |
| Last Dividend Date | 2026-09-10 |
| Revenue per Share | 8.948 |
| Market Cap | 6,376,111,104 |
| Trailing P/E | 12.75 |
| Forward P/E | 12.11 |
| Beta | 0.74 |
| Profit Margins | 41.20% |
| Website | https://www.ubsi-inc.com |
As of Oct. 10, 2026, 11:06 a.m. EDT: Speculators are positioning defensively with heavy open interest in out-of-the-money puts at the $50 strike, suggesting a fear of a downside move toward that level. Conversely, call activity is concentrated in-the-money at the $40 strike, indicating a belief that the stock will hold above current levels rather than surge significantly. Implied volatility is elevated for near-term expiration, reflecting uncertainty around the upcoming earnings report.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.80% | 3.58% | 3.96% | 4.03% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-09-11 | 0.3800 | 0.804744 |
| 2026-06-12 | 0.3800 | 0.832421 |
| 2026-03-13 | 0.3800 | 0.969883 |
| 2025-12-12 | 0.3800 | 0.969883 |
| 2025-09-12 | 0.3700 | 0.988512 |
| 2025-06-13 | 0.3700 | 1.050241 |
| 2025-03-14 | 0.3700 | 1.070602 |
| 2024-12-13 | 0.3700 | 0.909762 |
| 2024-09-13 | 0.3700 | 0.997305 |
| 2024-06-14 | 0.3700 | 1.189328 |
| 2024-03-07 | 0.3700 | 1.055635 |
| 2023-12-07 | 0.3700 | 1.056539 |
| 2023-09-07 | 0.3600 | 1.265823 |
| 2023-06-08 | 0.3600 | 1.081731 |
| 2023-03-09 | 0.3600 | 0.980392 |
| 2022-12-08 | 0.3600 | 0.873786 |
| 2022-09-08 | 0.3600 | 1.000278 |
| 2022-06-09 | 0.3600 | 1.016662 |
| 2022-03-10 | 0.3600 | 1.029748 |
| 2021-12-01 | 0.3600 | 1.023600 |
| 2021-09-09 | 0.3500 | 1.023392 |
| 2021-06-10 | 0.3500 | 0.933831 |
| 2021-03-11 | 0.3500 | 0.872600 |
| 2020-12-10 | 0.3500 | 1.136733 |
| 2020-09-10 | 0.3500 | 1.421031 |
| 2020-06-11 | 0.3500 | 1.318764 |
| 2020-03-12 | 0.3500 | 1.651722 |
| 2019-12-12 | 0.3500 | 0.905094 |
| 2019-09-12 | 0.3400 | 0.860106 |
| 2019-06-13 | 0.3400 | 0.925422 |
| 2019-03-07 | 0.3400 | 0.919416 |
| 2018-12-13 | 0.3400 | 1.053284 |
| 2018-09-13 | 0.3400 | 0.893561 |
| 2018-06-07 | 0.3400 | 0.912752 |
| 2018-03-08 | 0.3400 | 0.917679 |
| 2017-12-07 | 0.3400 | 0.952381 |
| 2017-09-07 | 0.3300 | 1.026439 |
| 2017-06-07 | 0.3300 | 0.861619 |
| 2017-03-08 | 0.3300 | 0.755149 |
| 2016-12-07 | 0.3300 | 0.689655 |
| 2016-09-07 | 0.3300 | 0.854922 |
| 2016-06-08 | 0.3300 | 0.845937 |
| 2016-03-09 | 0.3300 | 0.912106 |
| 2015-12-09 | 0.3300 | 0.859375 |
| 2015-09-09 | 0.3200 | 0.874078 |
| 2015-06-10 | 0.3200 | 0.816118 |
| 2015-03-11 | 0.3200 | 0.867914 |
| 2014-12-10 | 0.3200 | 0.908575 |
| 2014-09-10 | 0.3200 | 0.976503 |
| 2014-06-11 | 0.3200 | 1.016841 |
| 2014-03-12 | 0.3200 | 1.054366 |
| 2013-12-11 | 0.3200 | 1.028939 |
| 2013-09-11 | 0.3100 | 1.076763 |
| 2013-06-12 | 0.3100 | 1.221434 |
| 2013-03-06 | 0.3100 | 1.178707 |
| 2012-12-12 | 0.3100 | 1.246482 |
| 2012-09-12 | 0.3100 | 1.269971 |
| 2012-06-06 | 0.3100 | 1.267894 |
| 2012-03-07 | 0.3100 | 1.064560 |
| 2011-12-07 | 0.3100 | 1.111908 |
| 2011-09-07 | 0.3000 | 1.374885 |
| 2011-06-08 | 0.3000 | 1.319261 |
| 2011-03-09 | 0.3000 | 1.069138 |
| 2010-12-08 | 0.3000 | 1.084207 |
| 2010-09-08 | 0.3000 | 1.251043 |
| 2010-06-09 | 0.3000 | 1.191895 |
| 2010-03-10 | 0.3000 | 1.135503 |
| 2009-12-09 | 0.3000 | 1.627781 |
| 2009-09-09 | 0.2900 | 1.545019 |
| 2009-06-10 | 0.2900 | 1.320583 |
| 2009-03-11 | 0.2900 | 1.889251 |
| 2008-12-10 | 0.2900 | 0.918594 |
| 2008-09-10 | 0.2900 | 1.033868 |
| 2008-06-11 | 0.2900 | 1.135029 |
| 2008-03-12 | 0.2900 | 1.134142 |
| 2007-12-12 | 0.2900 | 0.930979 |
| 2007-09-12 | 0.2800 | 0.947226 |
| 2007-06-06 | 0.2800 | 0.847201 |
| 2007-03-07 | 0.2800 | 0.798631 |
| 2006-12-06 | 0.2800 | 0.731071 |
| 2006-09-06 | 0.2700 | 0.731509 |
| 2006-06-07 | 0.2700 | 0.760992 |
| 2006-03-08 | 0.2700 | 0.743392 |
| 2005-12-07 | 0.2700 | 0.713531 |
| 2005-09-07 | 0.2600 | 0.719823 |
| 2005-06-08 | 0.2600 | 0.759124 |
| 2005-03-09 | 0.2600 | 0.778210 |
| 2004-12-08 | 0.2600 | 0.687467 |
| 2004-09-08 | 0.2600 | 0.761124 |
| 2004-06-09 | 0.2500 | 0.818331 |
| 2004-03-10 | 0.2500 | 0.813802 |
| 2003-12-10 | 0.2500 | 0.817261 |
| 2003-09-10 | 0.2500 | 0.819672 |
| 2003-06-11 | 0.2500 | 0.843170 |
| 2003-03-12 | 0.2500 | 0.926956 |
| 2002-12-11 | 0.2500 | 0.830013 |
| 2002-09-11 | 0.2400 | 0.801336 |
| 2002-06-12 | 0.2300 | 0.822310 |
| 2002-03-06 | 0.2300 | 0.796123 |
| 2001-12-12 | 0.2300 | 0.844657 |
| 2001-06-06 | 0.2300 | 0.935340 |
| 2001-03-07 | 0.2200 | 0.988764 |
| 2000-12-06 | 0.2100 | 1.066667 |
| 2000-09-06 | 0.2100 | 1.063291 |
| 2000-06-07 | 0.2100 | 1.063291 |
| 2000-03-08 | 0.2100 | 1.183099 |
| 1999-12-08 | 0.2100 | 0.848485 |
| 1999-09-08 | 0.2100 | 0.823529 |
| 1999-06-09 | 0.2000 | 0.784314 |
| 1999-03-10 | 0.2000 | 0.747664 |
| 1998-12-09 | 0.2000 | 0.694143 |
| 1998-09-09 | 0.1900 | 0.723810 |
| 1998-06-10 | 0.1800 | 0.663594 |
| 1998-03-11 | 0.1750 | 0.707071 |
| 1997-12-10 | 0.1750 | 0.738786 |
| 1997-09-10 | 0.1700 | 0.747253 |
| 1997-06-11 | 0.1650 | 0.854369 |
| 1997-03-12 | 0.1650 | 0.956522 |
| 1996-12-11 | 0.1600 | 1.024000 |
| 1996-09-11 | 0.1550 | 1.073593 |
| 1996-06-12 | 0.1550 | 1.142857 |
| 1996-03-06 | 0.1500 | 1.016949 |
| 1995-12-06 | 0.1500 | 0.987654 |
| 1995-09-06 | 0.1450 | 0.966667 |
| 1995-06-06 | 0.1450 | 1.084112 |
| 1995-03-06 | 0.1450 | 1.160000 |
| 1994-12-05 | 0.1350 | 1.136842 |
| 1994-09-02 | 0.1350 | 1.090909 |
| 1994-06-06 | 0.1300 | 1.019608 |
| 1994-03-07 | 0.1150 | 0.888889 |
| 1993-12-06 | 0.1150 | 0.851852 |
| 1993-09-03 | 0.1150 | 0.910891 |
| 1993-03-08 | 0.1150 | 1.005464 |
| 1992-12-07 | 0.1050 | 1.050000 |
| 1992-09-04 | 0.1050 | 1.050000 |
| 1992-06-08 | 0.1050 | 1.217391 |
| 1992-03-09 | 0.1050 | 1.253731 |
| 1991-12-09 | 0.1050 | 1.500000 |
| 1991-09-09 | 0.0950 | 1.381818 |
| 1991-06-10 | 0.0950 | 1.520000 |
| 1991-03-04 | 0.0950 | 1.600000 |
| 1990-12-10 | 0.0950 | 1.948718 |
| 1990-09-10 | 0.0950 | 1.809524 |
| 1990-06-04 | 0.0950 | 1.461538 |
| 1990-03-05 | 0.0900 | 1.384615 |
| 1989-12-04 | 0.0850 | 1.283019 |
| 1989-09-01 | 0.0850 | 1.259259 |
| 1989-06-05 | 0.0750 | 1.132075 |
| 1989-03-03 | 0.0750 | 1.111111 |
| 1988-12-06 | 0.0700 | 0.875000 |
| 1988-09-02 | 0.0700 | 1.000000 |
| 1988-06-06 | 0.0675 | 0.931034 |
| 1988-03-02 | 0.0675 | 0.805970 |
| 1987-12-04 | 0.0675 | 0.843750 |
| 1987-09-03 | 0.0675 | 0.771429 |
| 1987-06-04 | 0.0675 | 0.870968 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.32273626 |
| Address1 | 300 United Center |
| Address2 | 500 Virginia Street, East |
| All Time High | 49.62 |
| All Time Low | 4.5 |
| Ask | 59.98 |
| Ask Size | 2 |
| Audit Risk | 3 |
| Average Analyst Rating | 2.7 - Hold |
| Average Daily Volume10 Day | 961,170 |
| Average Daily Volume3 Month | 977,367 |
| Average Volume | 977,367 |
| Average Volume10Days | 961,170 |
| Beta | 0.741 |
| Bid | 33.46 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 40.334 |
| City | Charleston |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 46.81 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 47.25 |
| Day Low | 46.69 |
| Display Name | United Bankshares |
| Dividend Date | 1,790,812,800 |
| Dividend Rate | 1.52 |
| Dividend Yield | 3.26 |
| Earnings Growth | 0.122 |
| Earnings Quarterly Growth | 0.088 |
| Earnings Timestamp | 1,784,809,800 |
| Earnings Timestamp End | 1,792,672,200 |
| Earnings Timestamp Start | 1,792,672,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.038 |
| Enterprise Value | 5,049,610,240 |
| Eps Current Year | 3.68333 |
| Eps Forward | 3.86667 |
| Eps Trailing Twelve Months | 3.67 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,789,084,800 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 47.1906 |
| Fifty Day Average Change | -0.38059998 |
| Fifty Day Average Change Percent | -0.008065165 |
| Fifty Two Week Change Percent | 32.27363 |
| Fifty Two Week High | 49.62 |
| Fifty Two Week High Change | -2.8099976 |
| Fifty Two Week High Change Percent | -0.056630343 |
| Fifty Two Week Low | 34.42 |
| Fifty Two Week Low Change | 12.390003 |
| Fifty Two Week Low Change Percent | 0.35996523 |
| Fifty Two Week Range | 34.42 - 49.62 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 549,811,800,000 |
| Five Year Avg Dividend Yield | 3.93 |
| Float Shares | 132,552,466 |
| Forward Eps | 3.86667 |
| Forward P E | 12.106025 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,740 |
| Fullday Change | 0.2100029 |
| Fullday Change Percent | 0.45065 |
| Fullday Price | 46.81 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 1,250,497,024 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.022119999 |
| Held Percent Institutions | 0.77009004 |
| Implied Shares Outstanding | 136,212,571 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,789,084,800 |
| Last Dividend Value | 0.38 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 891,216,000 |
| Last Split Factor | 2:1 |
| Long Business Summary | 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 credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia. |
| Long Name | United Bankshares, Inc. |
| Market | us_market |
| Market Cap | 6,376,111,104 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_310025 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 514,228,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 6,336,145,417 |
| Number Of Analyst Opinions | 6 |
| Open | 46.72 |
| Operating Cashflow | 555,576,000 |
| Operating Margins | 0.53079 |
| Overall Risk | 3 |
| Payout Ratio | 0.4114 |
| Peg Ratio | 1.95 |
| Phone | 304 424 8716 |
| Previous Close | 46.6 |
| Price Eps Current Year | 12.708609 |
| Price Hint | 2 |
| Price To Book | 1.1605594 |
| Price To Sales Trailing12 Months | 5.0988617 |
| Profit Margins | 0.41196 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 2.66667 |
| Region | US |
| Regular Market Change | 0.2100029 |
| Regular Market Change Percent | 0.45065 |
| Regular Market Day High | 47.25 |
| Regular Market Day Low | 46.69 |
| Regular Market Day Range | 46.69 - 47.25 |
| Regular Market Open | 46.72 |
| Regular Market Previous Close | 46.6 |
| Regular Market Price | 46.81 |
| Regular Market Time | 1,792,165,851 |
| Regular Market Volume | 255,471 |
| Return On Assets | 0.01549 |
| Return On Equity | 0.09474 |
| Revenue Growth | 0.062 |
| Revenue Per Share | 8.948 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 2 |
| Shares Outstanding | 136,212,571 |
| Shares Percent Shares Out | 0.0484 |
| Shares Short | 6,587,482 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 5,590,957 |
| Short Name | United Bankshares, Inc. |
| Short Percent Of Float | 0.0498 |
| Short Ratio | 6.0 |
| Source Interval | 15 |
| State | WV |
| Symbol | UBSI |
| Target High Price | 52.0 |
| Target Low Price | 48.0 |
| Target Mean Price | 50.33333 |
| Target Median Price | 51.0 |
| Total Cash | 2,082,500,992 |
| Total Cash Per Share | 15.324 |
| Total Debt | 799,446,016 |
| Total Revenue | 1,250,497,024 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.51 |
| Trailing Annual Dividend Yield | 0.032403436 |
| Trailing Eps | 3.67 |
| Trailing P E | 12.754768 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 44.3427 |
| Two Hundred Day Average Change | 2.4673004 |
| Two Hundred Day Average Change Percent | 0.055641636 |
| Type Disp | Equity |
| Volume | 255,471 |
| Website | https://www.ubsi-inc.com |
| Zip | 25,301 |