UBSI
United Bankshares, Inc.
Financial Services · Banks - Regional · NMS
$43.90
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$6.0B
Total market value of the company
12.14
Reasonably valued
11.42
Based on estimated future earnings — lower means cheaper
Rev Growth
+18.5%
Year-over-year revenue change
Profit Margin
40.3%
How much profit the company keeps from each dollar of revenue
9.3%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$47.00
+7% from current price — median analyst estimate
Recommendation
NONE
Consensus view from 5 analysts covering this stock
About United Bankshares, Inc.

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.

https://www.ubsi-inc.com

Country: United States Employees: 2,749 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

MARKDOWN
Price trending down — defensive positioning
0.902
Good returns relative to risk taken
0.0640
Suggested allocation is meaningful — the edge justifies a position
0.891
Acceptable balance between returns and drawdown risk
Annual Return
23.0%
Historical annualised return based on price data
-25.8%
Largest peak-to-trough decline — the worst it has been
BEAR
Statistical model detects bearish conditions
Days in State
283
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.74
Less volatile than the market — more defensive
52W High
$45.93
4% below the year high
52W Low
$34.10
29% above the year low
Avg Volume
923,447
Average daily shares traded — higher means easier to buy and sell
7.1
Days it would take all short sellers to cover — higher means more crowded
Short % Float
4.0%
Low short interest — limited bearish positioning
351.0%
Annual dividend as a percentage of the share price
$3.57
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
0.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
52.1%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$1.3B
Total revenue over the last 12 months
Net Income
$503M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
5
Target High
$50.00
Target Median
$47.00
Target Low
$45.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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