NASDAQ: UBSIUnited Bankshares Inc Stock
$44.98+0.10 (+0.22%)
Updated Jun 11, 2026
UBSI Price
$44.98
Fair Value Price
$78.68
Market Cap
$6.20B
52 Week Low
$34.10
52 Week High
$45.93
P/E
12.56x
P/B
1.13x
P/S
4.69x
PEG
4.94x
Dividend Yield
3.33%
Revenue
$1.23B
Earnings
$504.50M
Gross Margin
100%
Operating Margin
51.35%
Profit Margin
41%
Debt to Equity
5.14
Operating Cash Flow
$540M
Beta
0.86
Next Earnings
Jul 23, 2026
Ex-Dividend
Jun 12, 2026
Next Dividend
Jul 1, 2026
UBSI Overview
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine UBSI's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
UBSI
Ranked#251 of 283
Ranked#251 of 283
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $55.25 | B | |
| $24.79 | B | |
| $29.78 | B |
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UBSI News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UBSI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
UBSI ($44.98) is undervalued by 42.83% relative to our estimate of its Fair Value price of $78.68 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
UBSI ($44.98) is significantly undervalued by 42.83% relative to our estimate of its Fair Value price of $78.68 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
UBSI ($44.98) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more UBSI due diligence checks available for Premium users.
Valuation
UBSI fair value
Fair Value of UBSI stock based on Discounted Cash Flow (DCF)
Price
$44.98
Fair Value
$78.68
Undervalued by
42.83%
UBSI ($44.98) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UBSI ($44.98) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UBSI ($44.98) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
UBSI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.56x
Industry
13.8x
Market
13.95x
UBSI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UBSI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
UBSI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.13x
Industry
1.26x
UBSI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UBSI price to earnings growth (PEG)
For valuing profitable companies with growth potential
UBSI is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
UBSI's financial health
Profit margin
Revenue
$308.8M
Net Income
$124.2M
Profit Margin
40.2%
UBSI's Earnings (EBIT) of $632.46M... subscribe to Premium to read more.
Interest Coverage Financials
UBSI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$33.7B
Liabilities
$28.2B
Debt to equity
5.14
UBSI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
UBSI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$160.9M
Investing
-$304.1M
Financing
-$94.0M
UBSI's operating cash flow ($539.78M)... subscribe to Premium to read more.
Debt Coverage Financials
UBSI vs Bank Stocks
United Bankshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.