Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.77, read 2026-10-24
Ethical does not pass the values gate
Price48.67 USD
Fair value49.36
Ethical score30.0/100
Our investment reviews on this name
2026-10-29Read Accumulation48.67+0.0% to today ✓Markdown gives way to Accumulation
2026-09-15Read Markdown47.33+2.8% to today Accumulation gives way to Markdown first Markdown read since July
2026-08-15Read Accumulation48.58+0.2% to today ✓Markdown gives way to Accumulation after a 6% rise in 6 weeks
2026-07-02Read Markdown45.65+6.6% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
United Bankshares, Inc. holds its Accumulation at $48.67. The statistical read favours the sellers, held for 340 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 340 days
Price at the screen
$48.67
Valuation
12.62 trailing · 11.98 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.74
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
United Bankshares, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
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Get an email when UBSI's ethical verdict changes
Today UBSI does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 1.4% margin of safety to the base estimate.
Third-party analyst targets: 6 covering, consensus Hold. The average target sits +5% from the screen price.
Reading the gap · Our model and the Street both land near the screened price: fairly valued, with no strong edge either way.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Bank Looks Fairly Priced but Ethics Say Pass
Picture a regional lender taking deposits from small businesses and turning them into local loans. The numbers show steady 11% revenue growth, a 41% profit margin and a forward P/E of 12.5x that sits close to our fair value. Yet none of that matters once the ethical screen flags the entire banking sector.
We pass for the single reason that the business sits inside an industry our rules exclude. Valuation at a 5% margin of safety and a 9% ROE do not change the filter. Analyst targets clustered around $48 reinforce that the market already prices the shares fairly, leaving no room for an exception.
Risk sits in the sector exposure itself, where regulation and credit cycles can shift earnings quickly. The screen exists to keep us out of those situations regardless of price. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
UBSI trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 5.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47.
2026-10-22Markdown$46.33+0.0%Entry 15
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$46.33+0.0%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Markdown$46.33+1.2%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Markdown$45.78+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$45.78+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Markdown$45.78+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Markdown$45.78+0.7%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$45.46+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$45.46-1.5%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 26%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (5 analysts) rates it none, with a mean price target of $47.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
