/UBSI

UBSI Stock - United Bankshares, Inc.

Q: What is the analyst price target for UBSI?

Analyst price target information is not currently available for UBSI.

Q: What is UBSI's market cap?

Market capitalization information is not currently available for UBSI.

Financial Services|Banks - Regional|NASDAQ

$39.94-0.35%

$0.14 (-0.35%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+6.4%upside

Target: $42.50

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.82

52W High$40.52

52W Low$30.51

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$1.62B	$1.53B	$1.15B	$1.06B	$1.14B
Gross Profit	$1.00B	$1.02B	$1.02B	$1.03B	$922.62M
Gross Margin	62.0%	66.5%	89.1%	97.3%	81.1%
Operating Income	$464.58M	$463.81M	$475.78M	$462.85M	$359.74M
Net Income	$373.00M	$366.31M	$379.63M	$367.74M	$289.02M
Net Margin	23.0%	24.0%	33.1%	34.7%	25.4%
EPS	$2.76	$2.72	$2.81	$2.84	$2.40

Company Overview

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and 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 of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

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Rating Distribution

Strong Buy

Buy / Outperform

40%

Hold / Neutral

60%

Sell / Underperform

Analyst Consensus🔴 Bearish

2 Bullish3 Neutral/Bearish

Price Targets

$40

Average Target

↑ 1.0% Upside

Now

$32

Low

$40

Average

$45

High

Based on 6 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
October 24th 2025	Piper Sandler	Upgrade	Overweight	$42.5
March 12th 2025	Piper Sandler	Resumed	Neutral	$38.5
April 4th 2023	Stephens	Initiation	Equal Weight	$32
December 21st 2022	Raymond James	Resumed	Outperform	$44
December 5th 2022	Piper Sandler	Resumed	Neutral	$45
September 6th 2022	Janney	Initiation	Buy	$40

Earnings History & Surprises

UBSI

Beat Rate

61%

Last 18 quarters

Avg Surprise

+3.6%

EPS vs Estimate

Beats / Misses

11/5

2 met exactly

Latest EPS

$0.92

Q4 2025

EPS Surprise History

Q1 24

-10.6%

$0.59vs$0.66

Q2 24

-1.5%

$0.64vs$0.65

Q3 24

+10.9%

$0.71vs$0.64

Q4 24

+4.5%

$0.70vs$0.67

Q1 25

+3.0%

$0.69vs$0.67

Q2 25

-10.6%

$0.59vs$0.66

Q3 25

+10.4%

$0.85vs$0.77

Q4 25

+12.2%

$0.92vs$0.82

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 22, 2026	—	—	—	—
Q1 2026	Jan 23, 2026	$0.86	—	—	—
Q4 2025	Oct 23, 2025	$0.82	$0.92	+12.2%	✓ BEAT
Q3 2025	Jul 24, 2025	$0.77	$0.85	+10.4%	✓ BEAT
Q2 2025	Apr 24, 2025	$0.66	$0.59	-10.6%	✗ MISS
Q1 2025	Jan 24, 2025	$0.67	$0.69	+3.0%	✓ BEAT
Q4 2024	Oct 24, 2024	$0.67	$0.70	+4.5%	✓ BEAT
Q3 2024	Jul 25, 2024	$0.64	$0.71	+10.9%	✓ BEAT
Q2 2024	Apr 25, 2024	$0.65	$0.64	-1.5%	✗ MISS
Q1 2024	Jan 26, 2024	$0.66	$0.59	-10.6%	✗ MISS
Q4 2023	Oct 25, 2023	$0.65	$0.71	+9.2%	✓ BEAT
Q3 2023	Jul 27, 2023	$0.66	$0.68	+3.0%	✓ BEAT
Q2 2023	Apr 26, 2023	$0.74	$0.73	-1.4%	✗ MISS
Q1 2023	Jan 26, 2023	$0.78	$0.74	-5.1%	✗ MISS
Q4 2022	Oct 27, 2022	$0.66	$0.76	+15.2%	✓ BEAT
Q3 2022	Jul 28, 2022	$0.62	$0.71	+14.5%	✓ BEAT
Q2 2022	Apr 26, 2022	$0.60	$0.60	0.0%	= MET
Q1 2022	Jan 27, 2022	$0.56	$0.56	0.0%	= MET
Q4 2021	Oct 26, 2021	$0.66	$0.71	+7.6%	✓ BEAT
Q3 2021	Jul 23, 2021	$0.71	$0.73	+2.8%	✓ BEAT

Frequently Asked Questions about UBSI

What is UBSI's current stock price?

United Bankshares, Inc. (UBSI) is currently trading at $39.94 per share. The stock has moved -0.35% today.

What is the analyst price target for UBSI?

The average analyst price target for UBSI is $42.50, based on 1 analyst.

What sector is United Bankshares, Inc. in?

United Bankshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is UBSI's market cap?

United Bankshares, Inc. has a market capitalization of $5.61 billion, making it a mid-cap company.

Does UBSI pay dividends?

No, United Bankshares, Inc. does not currently pay a dividend to shareholders.