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UBSI 
United Bankshares Inc (UBSI)
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Upturn Advisory Summary
12/05/2025: UBSI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $40.9
1 Year Target Price $40.9
| 0 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.51% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.34B USD | Price to earnings Ratio 12.47 | 1Y Target Price 40.9 |
Price to earnings Ratio 12.47 | 1Y Target Price 40.9 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 29.90 - 40.34 | Updated Date 12/6/2025 |
52 Weeks Range 29.90 - 40.34 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 3.89% | Basic EPS (TTM) 3.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.17% | Operating Margin (TTM) 54.31% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 8.26% |
Valuation
Trailing PE 12.47 | Forward PE 13.55 | Enterprise Value 3602700032 | Price to Sales(TTM) 4.74 |
Enterprise Value 3602700032 | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 5.04 | Enterprise Value to EBITDA - | Shares Outstanding 139312926 | Shares Floating 136407794 |
Shares Outstanding 139312926 | Shares Floating 136407794 | ||
Percent Insiders 2.12 | Percent Institutions 72.91 |
Upturn AI SWOT
United Bankshares Inc
Company Overview
History and Background
United Bankshares Inc. (UBSI) was founded in 1839 as The First National Bank of Parkersburg. It has grown through a series of strategic acquisitions and organic expansion, evolving into a prominent regional financial institution. Key milestones include its expansion into West Virginia, Virginia, Maryland, and Pennsylvania, and its consistent focus on community banking principles. The company operates through its subsidiary, United Bank.
Core Business Areas
- Community Banking: Offers a full range of retail and commercial banking services, including checking and savings accounts, commercial and industrial loans, real estate loans, and treasury management services to individuals and businesses.
- Wealth Management: Provides investment advisory, trust services, and estate planning to high-net-worth individuals and institutional clients.
- Mortgage Banking: Origates and sells residential mortgage loans through its mortgage banking subsidiary.
Leadership and Structure
United Bankshares Inc. is led by a Board of Directors and a senior management team. Key executives include the Chairman and CEO, President and COO, and CFO. The company operates as a holding company with United Bank as its primary subsidiary, managing its branch network and various banking operations.
Top Products and Market Share
Key Offerings
- Community Banking Services: Offers a broad suite of deposit accounts (checking, savings, money market, CDs) and loan products (commercial, real estate, consumer). Market share data for specific products is not publicly disclosed, but the company is a significant player in its geographic markets. Competitors include large national banks, regional banks, and smaller community banks.
- Wealth Management Services: Includes investment management, trust services, and financial planning. Detailed market share or revenue for this segment is not separately reported. Competitors include large financial advisory firms, private banks, and other regional bank wealth management divisions.
- Mortgage Origination: Provides residential mortgage loans. While origination volumes fluctuate, it's a key component of their lending business. Competitors include national mortgage lenders, other banks, and independent mortgage brokers.
Market Dynamics
Industry Overview
The U.S. banking industry is mature and highly competitive, characterized by consolidation, technological advancements (fintech), and evolving regulatory landscapes. Interest rate changes significantly impact net interest margins. The industry is also increasingly focused on digital offerings and customer experience.
Positioning
United Bankshares Inc. is positioned as a strong regional community bank with a focus on customer relationships and a solid, conservative financial approach. Its competitive advantages include its deep roots in its operating communities, a diversified revenue mix from banking and wealth management, and a history of successful, accretive acquisitions. Its smaller scale compared to national giants allows for more personalized service.
Total Addressable Market (TAM)
The total addressable market for U.S. banking and financial services is vast, estimated in the trillions of dollars. United Bankshares Inc. targets specific geographic regions within the Mid-Atlantic and Southeast. Its position is significant within its chosen regional markets, but represents a small fraction of the overall U.S. banking TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence and brand recognition in its operating states.
- Diversified revenue streams from banking and wealth management.
- History of successful and accretive acquisitions.
- Solid asset quality and conservative underwriting.
- Loyal customer base built on community focus.
Weaknesses
- Smaller scale compared to national banking giants, potentially limiting competitive advantages in technology and product breadth.
- Geographic concentration can expose it to regional economic downturns.
- Reliance on interest rate sensitive net interest margins.
- Integration challenges from past and future acquisitions.
Opportunities
- Continued market consolidation through strategic acquisitions.
- Expansion of digital banking capabilities to attract a wider customer base.
- Growth in wealth management services.
- Leveraging its strong community ties for organic growth.
- Potential for expansion into adjacent geographic markets.
Threats
- Intensifying competition from national banks, fintech companies, and credit unions.
- Rising interest rates or economic recession impacting loan demand and asset quality.
- Cybersecurity risks and data breaches.
- Increasing regulatory compliance costs and complexities.
- Talent acquisition and retention challenges in a competitive labor market.
Competitors and Market Share
Key Competitors
- PNC Financial Services Group Inc. (PNC)
- M&T Bank Corporation (MTB)
- Truist Financial Corporation (TFC)
- Citizens Financial Group, Inc. (CFG)
Competitive Landscape
United Bankshares Inc. faces stiff competition from larger national banks with broader product offerings and more extensive branch networks, as well as from other regional banks and increasingly from fintech companies offering specialized digital services. Its advantage lies in its localized approach, strong customer relationships, and ability to be more agile than larger institutions in specific market segments. However, it may lack the scale for significant technology investments compared to its larger rivals.
Major Acquisitions
Community Bancorporation, Inc.
- Year: 2021
- Acquisition Price (USD millions): 161
- Strategic Rationale: Acquired to expand its presence in Virginia and increase its deposit and loan base.
The Park National Corporation
- Year: 2019
- Acquisition Price (USD millions): 1700
- Strategic Rationale: Acquired to significantly expand its footprint into Ohio and create a larger, more diversified financial institution.
Growth Trajectory and Initiatives
Historical Growth: United Bankshares Inc. has achieved consistent historical growth through a combination of organic expansion within its core markets and well-integrated acquisitions. This strategy has allowed it to increase its asset base, deposit volume, and loan portfolio steadily over the years.
Future Projections: Analyst projections for United Bankshares Inc. typically anticipate continued moderate growth, driven by its established market position, potential for further acquisitions, and expansion of its fee-based income. Projections are subject to economic conditions and interest rate environments.
Recent Initiatives: Recent initiatives likely focus on digital transformation, enhancing customer experience, operational efficiency, and continued pursuit of strategic, value-adding acquisitions that complement its existing footprint and service offerings.
Summary
United Bankshares Inc. is a well-established regional bank demonstrating consistent performance, driven by strategic acquisitions and a strong community banking focus. Its diversified revenue streams and solid financial health are key strengths. However, it must navigate intense competition from larger institutions and fintech firms, and its geographic concentration poses a regional risk. Continued prudent management, technological investment, and strategic expansion will be crucial for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- United Bankshares Inc. Investor Relations Filings (SEC)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Financial Data Providers (e.g., FactSet, Refinitiv)
- Industry Analyst Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data, market share percentages, and projections are estimates and subject to change. This information is for informational purposes only and should not be considered investment advice. Investors should conduct their own due diligence before making any investment decisions.
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 2779 | Website https://www.ubsi-inc.com |
Full time employees 2779 | 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.
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