UBSI
Financial ServicesUnited Bankshares, Inc. · Banks - Regional · $6B
What is United Bankshares, Inc.?
United Bankshares, Inc. is a financial holding company headquartered in Charleston, West Virginia, serving communities across the Mid-Atlantic and Southeast United States. It operates through Community Banking and Mortgage Banking segments, delivering a broad range of financial services to individuals and businesses.
United Bankshares generates revenue primarily through traditional banking activities — accepting deposits and extending loans to commercial and retail customers. Its loan portfolio spans commercial lending, real estate and construction financing, personal and student loans, and home equity products. The Mortgage Banking segment adds a secondary revenue stream tied to residential lending. Beyond core banking, the company offers investment services, asset management, title insurance, brokerage, and correspondent banking, making it a full-service community-oriented institution.
United Bankshares was incorporated in 1982 and has grown into a mid-cap regional banking franchise spanning roughly ten states.
- Commercial and retail deposit accounts, including checking, savings, and money market
- Commercial loans, real estate financing, and construction lending
- Mortgage banking and home equity loan products
- Investment, brokerage, and asset management services
- Correspondent banking, wire transfers, and digital banking channels
Is UBSI a Good Stock to Buy?
UQS Score rates UBSI as Good overall, reflecting a balanced profile with notable strengths and some areas of concern.
The Quality pillar stands out as a clear strength, suggesting the bank maintains sound financial discipline relative to sector peers. The Risk pillar also rates Good, indicating a relatively measured exposure to credit and operational risk — a meaningful attribute for a regional bank navigating a complex rate environment. Valuation is rated Attractive, meaning the stock does not appear to be priced at a premium compared to its fundamentals.
The Moat and Growth pillars both rate Weak, pointing to limited competitive differentiation and below-average earnings expansion prospects relative to peers.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does UBSI pay dividends?
Yes — United Bankshares, Inc. pays a dividend.
United Bankshares pays a regular dividend, a practice consistent with its long-standing identity as a community-focused regional bank. Income-oriented investors often view UBSI as a dividend-paying holding within the financial services space. The company's Good Risk rating and Strong Quality profile support the sustainability of ongoing distributions, though dividend levels are always subject to board discretion and business conditions.
When does UBSI report earnings?
United Bankshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Quality pillar rating suggests consistent operational discipline, though the Weak Growth pillar indicates revenue and earnings expansion has lagged stronger-growing peers in recent periods. Margin dynamics in the regional banking sector remain sensitive to interest rate movements.
For the most recent quarter's results and management commentary, visit United Bankshares' investor relations page directly.
UBSI Price History
+29.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in United Bankshares, Inc.?
Based on United Bankshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
UBSI Long-term Outlook
The fundamental outlook for UBSI is shaped by its Good Risk profile and Attractive Valuation, which together suggest the stock may offer a degree of downside cushion relative to higher-priced peers. However, the Weak Growth pillar signals that meaningful acceleration in earnings or loan growth is not strongly supported by current fundamentals. Investors focused on stability and income may find the profile more compelling than those seeking high-growth exposure within the financial sector.
Growth drivers
- Potential for modest loan growth across its multi-state community banking footprint
- Mortgage banking revenue tied to shifts in residential lending activity
- Cross-selling investment, brokerage, and asset management services to existing customers
Key risks
- Interest rate sensitivity affecting net interest margin across the loan and deposit book
- Limited competitive moat in a fragmented regional banking landscape
- Slower-than-peer earnings growth constraining valuation re-rating potential
UBSI vs Peers
United Bankshares competes with other regional and community bank holding companies across overlapping geographic markets.
Flagstar operates with a heavier emphasis on mortgage banking and has a distinct balance sheet composition compared to UBSI's community-banking-first model.
Glacier Bancorp focuses on community banking across the Mountain West, giving it a different geographic concentration and deposit base than UBSI's Mid-Atlantic footprint.
F.N.B. Corporation serves overlapping Mid-Atlantic and Southeast markets and competes directly with UBSI for commercial and retail banking relationships.
Frequently Asked Questions
What does United Bankshares do?
United Bankshares is a financial holding company that provides commercial and retail banking services across roughly ten states in the Mid-Atlantic and Southeast. It accepts deposits, extends loans, and offers mortgage banking, investment services, and asset management through approximately 250 branch offices.
Does UBSI pay dividends?
Yes, United Bankshares pays a regular dividend. The company has a long history of returning capital to shareholders through dividends, which is consistent with its community bank identity and relatively stable risk profile. Investors should verify current dividend details on the company's investor relations page.
When does UBSI report earnings?
United Bankshares reports financial results on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates of upcoming earnings releases, check the company's investor relations page or a financial data provider.
Is UBSI a good stock to buy?
UQS Score rates UBSI as Good overall. The Quality and Risk pillars are rated Strong and Good respectively, while Valuation is Attractive. The Moat and Growth pillars rate Weak, which tempers the overall picture. Whether it suits your portfolio depends on your objectives — see the full analysis on UQS Pro.
Is UBSI overvalued?
The UQS Valuation pillar for UBSI is rated Attractive, suggesting the stock is not trading at an elevated premium relative to its fundamentals. This does not constitute a price target or guarantee of returns, but it indicates the valuation appears reasonable within the regional banking sector context.
How does UBSI compare to its competitors?
UBSI competes with regional peers including Flagstar Financial, Glacier Bancorp, and F.N.B. Corporation. Each operates with a different geographic focus or business mix. UBSI's multi-state Mid-Atlantic and Southeast footprint and dual Community and Mortgage Banking segments distinguish its model. Full peer comparisons are available to UQS Pro members.
What is UBSI's market cap bracket?
United Bankshares is classified as a mid-cap company. This places it above smaller community banks but well below the largest national banking institutions, reflecting its regional scale and multi-state branch network.
Who founded United Bankshares?
United Bankshares was incorporated in 1982 and has grown through decades of organic expansion and acquisitions across the Mid-Atlantic and Southeast. Founding details are widely available through the company's official history and public filings.
Is UBSI a long-term quality holding?
From a quality-indicator standpoint, UBSI's Strong Quality pillar and Good Risk rating suggest a degree of financial discipline that can support long-term holding. However, the Weak Growth and Moat pillars indicate limited competitive differentiation and slower expansion — factors worth weighing for long-horizon investors. The full UQS breakdown is available to Pro members.
What is the main competitive advantage of United Bankshares?
United Bankshares' primary advantage lies in its established community banking relationships across a broad multi-state footprint. However, the UQS Moat pillar rates Weak, indicating that durable competitive differentiation — relative to regional banking peers — is not a standout feature of the current profile.
What sector does UBSI belong to?
UBSI operates in the Financial Services sector, specifically as a regional bank holding company. It is subject to the interest rate dynamics, credit cycle risks, and regulatory environment that characterize the broader US banking industry.
Is UBSI a growth stock or value stock?
Based on UQS pillar ratings, UBSI leans toward a value-oriented profile. The Valuation pillar is Attractive and the Growth pillar is Weak, suggesting the stock is not priced for high earnings expansion but may appeal to investors seeking income and relative value within the financial sector.
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Pro Analysis
UBSI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 58.1 | 83.3 | 23.0 | 34.4 | 72.9 | 91.3 | -0.2 |
| May 16, 2026 | 58.3 | 83.3 | 23.0 | 34.4 | 72.9 | 92.7 | +0.9 |
| May 3, 2026 | 57.4 | 81.0 | 23.0 | 34.4 | 72.7 | 90.5 | 0.0 |
| May 2, 2026 | 57.4 | 81.0 | 23.0 | 34.4 | 72.7 | 90.7 | +0.1 |
| Apr 26, 2026 | 57.3 | 81.0 | 23.0 | 34.1 | 72.7 | 90.4 | +0.2 |
| Apr 25, 2026 | 57.1 | 81.0 | 23.0 | 34.0 | 72.7 | 89.5 | +0.1 |
| Apr 19, 2026 | 57.0 | 81.0 | 23.0 | 33.6 | 72.7 | 88.9 | 0.0 |
| Apr 18, 2026 | 57.0 | 81.0 | 23.0 | 33.6 | 72.7 | 89.3 | 0.0 |
| Apr 14, 2026 | 57.0 | 81.0 | 23.0 | 33.6 | 72.7 | 89.1 | 0.0 |
| Apr 12, 2026 | 57.0 | 81.0 | 23.0 | 33.6 | 72.7 | 89.2 | -0.3 |
UBSI — Pillar Breakdown
Quality
— 83.3/100 (25%)United Bankshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 34.4/100 (20%)United Bankshares, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.9/100 (15%)United Bankshares, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.2/100 (15%)United Bankshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)United Bankshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UBSI.
Score Composition
Financial Data
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How is the UBSI UQS Score Calculated?
The UQS (Unified Quality Score) for United Bankshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses United Bankshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether United Bankshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.