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Upturn AI Summary - About
United Bankshares Inc(UBSI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for UBSI
11/06/2026: UBSI (3-star) is a STRONG-BUY. BUY for 10 days. Simulated Profits (-1.43%). Updated daily EoD!
United Bankshares is a prominent regional bank holding company known for its conservative credit culture and multi-decade dividend growth. Its primary strengths lie in its stable Mid-Atlantic franchise and disciplined approach to loan underwriting. The company's main growth opportunity involves expanding its commercial lending footprint into high-growth Southern markets while enhancing its digital banking offerings. Key risks include intense competition from larger banks, sensitivity to net interest margin fluctuations, and the execution challenges inherent in M&A. This stock may best suit dividend-focused investors seeking long-term stability rather than rapid capital appreciation; key developments to monitor include management's progress on digital efficiency and potential future acquisition opportunities.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company prioritizes stable dividends and conservative growth over aggressive capital appreciation. |
| Momentum investor | Mixed fit | Momentum potential is generally tied to market-wide banking sector rallies rather than idiosyncratic company catalysts. |
| Value investor | Strong fit | The company often trades at reasonable multiples relative to its earnings stability and historical book value. |
| Dividend investor | Strong fit | United Bankshares has a multi-decade record of increasing its annual dividend. |
| Low-risk investor | Strong fit | Its conservative balance sheet and long-term dividend history appeal to risk-averse income seekers. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro interest rate shifts which can lead to periodic price swings. |
| Valuation risk | Low | The stock generally trades in line with sector valuation norms. |
| Competition risk (Banking competition) | Medium / high | Intense competition from larger regional and national banks puts pressure on deposit costs. |
| Business quality | Strong | The company is recognized for a high-quality, stable banking franchise and consistent credit underwriting. |
| Dividend income | Strong | The consistent dividend history is a cornerstone of the investment thesis. |
| Execution risk | Medium | Successful growth depends on the continued effective integration of acquisitions. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 40.9% | Avg. Invested days 62 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.57B USD | Price to earnings Ratio 13.1 | 1Y Target Price 51.67 |
Price to earnings Ratio 13.1 | 1Y Target Price 51.67 | ||
Volume (30-day avg) 921.6K shares | Beta 0.74 | 52 Weeks Range 33.46 - 50.47 | Updated Date 11/08/2026 |
52 Weeks Range 33.46 - 50.47 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.14% | Basic EPS (TTM) 3.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid to depositors. | This is the core profit engine generated by the spread between loan interest and deposit costs. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | These are secondary, diversified revenue streams that provide stability when loan demand fluctuates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 0.94 | Actual 0.94 |
Profitability
Profit Margin 40.78% | Operating Margin (TTM) 52.92% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 9.45% |
Valuation
Trailing PE 13.1 | Forward PE 13.55 | Enterprise Value 5.43B | Price to Sales(TTM) 5.22 |
Enterprise Value 5.43B | Price to Sales(TTM) 5.22 | ||
Enterprise Value to Revenue 5.75 | Enterprise Value to EBITDA - | Shares Outstanding 136.17M | Shares Floating 130.90M |
Shares Outstanding 136.17M | Shares Floating 130.90M | ||
Percent Insiders 2.23 | Percent Institutions 78.06 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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