Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
UBSI 
United Bankshares Inc (UBSI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: UBSI (1-star) is a SELL. SELL since 4 days. Simulated Profits (-7.23%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40.17
1 Year Target Price $40.17
| 0 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.61% | Avg. Invested days 57 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.08B USD | Price to earnings Ratio 12.63 | 1Y Target Price 40.17 |
Price to earnings Ratio 12.63 | 1Y Target Price 40.17 | ||
Volume (30-day avg) 6 | Beta 0.77 | 52 Weeks Range 29.90 - 42.69 | Updated Date 10/15/2025 |
52 Weeks Range 29.90 - 42.69 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 3.99% | Basic EPS (TTM) 2.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.82 | Actual - |
Profitability
Profit Margin 36.85% | Operating Margin (TTM) 54.27% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 7.72% |
Valuation
Trailing PE 12.63 | Forward PE 13.55 | Enterprise Value 3730153728 | Price to Sales(TTM) 4.74 |
Enterprise Value 3730153728 | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 141647226 | Shares Floating 137616482 |
Shares Outstanding 141647226 | Shares Floating 137616482 | ||
Percent Insiders 2.1 | Percent Institutions 73.88 |
Upturn AI SWOT
United Bankshares Inc
Company Overview
History and Background
United Bankshares, Inc. was founded in 1839 as the Northwestern Bank of Virginia. It has grown through acquisitions and organic growth to become a regional financial services holding company.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial loans, deposit accounts, and treasury management.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management services, including investment management, trust services, and financial planning.
Leadership and Structure
Richard M. Adams is the Chairman and CEO. The company operates with a traditional hierarchical structure, with executive leadership overseeing various divisions and regional operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes such as expansion, working capital, and equipment financing. Market share data is not precisely broken down, but United Bankshares competes with national and regional banks. Competitors: Truist, PNC, Bank of America.
- Mortgages: Residential mortgages for home purchases and refinancing. Market share varies by region. Competitors: Wells Fargo, JPMorgan Chase, local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share varies by region. Competitors: Numerous local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
United Bankshares is a well-established regional bank with a strong presence in the Mid-Atlantic region. Its competitive advantages include a loyal customer base and a history of sound financial management.
Total Addressable Market (TAM)
The TAM for banking services in United Bankshares' geographic region is estimated to be in the billions of dollars. The company is positioned to capture a significant portion of this market through its branch network and online offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Conservative lending practices
- History of profitability
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- BBT
- USB
Competitive Landscape
United Bankshares competes with larger national banks and smaller regional banks. Its advantages include a strong regional presence and a loyal customer base. Its disadvantages include limited geographic diversification and reliance on traditional banking model.
Major Acquisitions
Community Bankshares Inc
- Year: 2022
- Acquisition Price (USD millions): 224
- Strategic Rationale: Expand presence in West Virginia and Kentucky. Increase market share and customer base.
Growth Trajectory and Initiatives
Historical Growth: United Bankshares has grown steadily over the past decade through a combination of organic growth and acquisitions.
Future Projections: Analysts project continued revenue and earnings growth for United Bankshares, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include investments in technology to enhance digital banking capabilities and expansion into new geographic markets.
Summary
United Bankshares is a financially stable regional bank with a long history of profitability and dividend payments. The company is well-positioned to benefit from growth in its core markets and increased adoption of digital banking services. However, it faces challenges from increased competition and rising interest rates. It's continued growth strategy through acquisitions will continue to help grow its market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Bankshares Inc
Exchange NASDAQ | Headquaters Charleston, WV, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Richard Matthew Adams Jr., M.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2760 | Website https://www.ubsi-inc.com |
Full time employees 2760 | Website https://www.ubsi-inc.com | ||
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. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.