United Bankshares, Inc. (UBSI) AI Stock Analysis

United Bankshares, Inc. operates as a financial holding company providing commercial and retail banking services across the United States. The company is organized into two primary segments: Community Banking and Mortgage Banking. The Community Banking segment delivers deposit products such as checking, savings, money market accounts, and IRAs, alongside commercial loans, real estate financing, personal loans, credit cards, and home equity loans. The Mortgage Banking segment provides mortgage origination and servicing. United Bankshares also provides investment and security services, title insurance, financial planning, and brokerage services. Headquartered in Charleston, West Virginia, the company was founded in 1982.

United Bankshares grew annual revenue from $1.06B in FY2021 to $1.82B in FY2025, recording a 5-year revenue CAGR of 9.9%. Revenue rose 12.3% in FY2025, while net income climbed to $464.6M from $373.0M in FY2024. Over that period, net margin improved from 23.0% to 25.5%, and diluted EPS expanded to $3.44. Across the trailing twelve months, revenue reached $1.25B with an operating margin of 53.1% and a profit margin of 41.2%. For the latest quarter ended June 30, 2026, quarterly revenue grew 6.2% year-over-year, and quarterly earnings grew 12.2% year-over-year.

As of June 30, 2026, United Bankshares held $5.40B in cash and short-term investments against $799.4M in total debt, yielding net cash of $4.60B. Shareholders' equity stood at $5.51B alongside total assets of $33.75B, with a debt-to-equity ratio of 0.15 and a current ratio of 32.34. In FY2025, the company generated $498.9M in operating cash flow and $481.2M in free cash flow. Cash deployment included $17.7M in capital expenditures, $127.0M in share buybacks, and $209.0M in dividends paid.

At $46.69 per share, United Bankshares holds a market cap of $6.36B and an enterprise value of $5.06B. The stock trades at a trailing P/E of 12.7x and a forward P/E of 13.6x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 5.1x, above the peer median of 3.2x. Over the past year, UBSI returned 41.1%, outpacing the S&P 500 SPY return of 16.8%, though its 5-year return of 57.5% lagged SPY's 83.0%.

United Bankshares pays a quarterly dividend with a forward annualized payout of $1.52 per share, representing a 3.26% dividend yield. The company has paid dividends for 40 consecutive years and carries a payout ratio of 41.4%. Its annualized 5-year dividend growth rate is 1.3%, and its most recent ex-dividend date was September 11, 2026.

Wall Street coverage consists of 2 Buy ratings, 4 Hold ratings, and no Sell ratings. The mean price target of $50.33 implies an upside of 7.8% relative to the last close of $46.69. For the current fiscal year ending December 31, 2026, analysts estimate revenue of $1.29B and EPS of $3.68, reflecting 10.0% EPS growth. UBSI beat EPS estimates in each of the last 4 quarters, and its next earnings date is October 22, 2026.

This page is an AI-written research summary of United Bankshares, Inc. (UBSI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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