UBSI
United Bankshares, Inc.
Financial Services · Banks - Regional · NMS
$43.33
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$6.0B
Trailing P/E
12.14
Forward P/E
11.42
Rev Growth
+18.5%
Profit Margin
40.3%
ROE
9.3%
Analyst Target
$47.00
Recommendation
NONE
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 71.5
Score Quality: 64.2
Score Combined: 54.4

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality74.9
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 54.0 · Rank: #1032
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$4.4B
Price/Book
1.10
Beta
0.742
Analysts
5
Total Revenue (TTM)
$1.3B
Total Debt
$792.3M
Earnings Growth
+50.6%
Dividend Yield
351.0%
Short Ratio
7.13
Short % Float
0.0%
Employees
2,749

Elite Intelligence

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Trade Consideration
The Opportunity
Score 54.4 (P84 — top 16.4% of scored tickers). Unknown Moat. Ethical FAIL. 5 analysts at None.
Price: $43.33 | Target: $47.40 (+9%)
Score
54
Moat
Unknown
Conviction
Standard
Upside
+9%
The Fundamentals
Revenue Growth+18.5%
Profit Margin40.3%
ROE9.3%
Forward P/E11.4
Market Cap$6.0B
Position Sizing Scenarios
Stop: $36.83 (-15%) | Entry: $43.33
SharesCostProfit to TargetR:R
To Consensus ($47.40, 5 analysts)
10$433.30+$40.70 (9%)0.6R
50$2,166.50+$203.50 (9%)0.6R
100$4,333.00+$407.00 (9%)0.6R
Risk Factors
  • Elevated short interest (7.13 days to cover)
The Verdict
United Bankshares, Inc. holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
55.1
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.3%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.6%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.21
above 1.0 is good
Max Drawdown
-25.8%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
75
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.3x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Friday
Best Month
Nov
Worst Month
Feb
Fri-Mon Effect
-0.197207277195329
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-1.9%
3M Return
+0.3%
6M Return
+18.9%
12M Return
+22.2%
Momentum Rank
#1978
Momentum Signal
UP

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