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Stock Evaluator: United Bankshares, Inc. (UBSI)

United Bankshares, Inc. UBSI

$48.77 -0.21 -0.43%
August 18, 2026 4:00:00 PM EST November 10, 2021 Volume: 672,984
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Commentary & Analysis

Financial Summary

Share Statistics UBSI Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $6,627.6 $758.7 71%
Shares Out (Mil) 138.4 15.5 69%
Institutional Ownership 96.9% 83.2% 72%
Float (Mil) 132.5 21.8 66%
Beta na 0.42 na
Avg Daily Volume (000s) 661 43 62%
Price Change
(52-week)		 32.2% 96.3% 69%
Growth UBSI Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 5.1% 7.6% 37%
Net Income (5yr) 10.0% 11.1% 55%
EPS (5yr) 6.4% 10.1% 41
Dividends (5yr) 1.3% 3.6% 86%
Cash Flow (5yr) (31.1%) (17.1%) 18%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 6 6 6
Current EPS $0.930 $3.688 $3.858
Month Ago EPS $0.913 $3.605 $3.807
# Rev Up 1 1 2
# Rev Down 0 0 0
Three Months Ago EPS $0.916 $3.614 $3.794
Year/Year Chg (2.1%) 12.8% na
Financials UBSI Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $1,251 $195 53%
Net Income (TTM) (Mil) $515 $55 79%
EPS (TTM) $3.679 $2.600 81%
Operating Cash Flow (TTM) (Mil) $556 $35 73%
Net Cash Flow (TTM) (Mil) ($233) $2 9%
Long-Term Debt (Q1) (Mil) $373 $102 55%
Enterprise Value (Q1) (Mil) na $0 na
Valuation UBSI Industry
Median		 Percentile
(All Stocks)
P/B 1.21 1.27 29%
P/E 13.3 12.7 31%
Dividend Yield 3.1% 2.2% 86%
PEG (5yr hist) 2.1 1.1 69%
Ratios UBSI Industry
Median		 Percentile
(All Stocks)
Gross Margin na 63.7% na
Net Margin 41.2% 29.1% 95%
ROA 1.5% 1.1% 52%
ROE 9.5% 11.3% 56%
Liabilities to Assets 83.7% 89.7% 78%
F-Score 6 4 67%

Passing Stock Screens

As of 8/18/2026, from a list of 60 stock screening strategies, UBSI meetings the criteria of 3 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

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FACTOR STRATEGY

P/E Relative Screen

Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market. 
Performance Since Inception: 13.7%
+/- S&P 500: +6.2

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GURU STRATEGY

Dreman Screen

Factors: Value, Growth
Avoiding the psychological traps of the market by following the principles of contrarian investing. 
Performance Since Inception: 8.6%
+/- S&P 500: +1.1

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Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors