UBSI logo

UNITED BANKSHARES INC

UBSINASDAQ
🏆 #1139 by market capEarnings Oct 21US Equity
$46.16▼ $0.56 (−1.21%)
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24h▼ 1.2%
7d▼ 0.8%
14d▼ 3.6%
30d▼ 3.0%
ytd▲ 20.2%
1y▲ 24.0%
🏦Market Cap
$6.36B
Small Cap
📈Revenue Growth (YoY)
+12.3%
Healthy
📊Gross Margin
67.8%
High
💵FCF Margin
30.6%
Strong
⚖️P/S Ratio
3.6x
Fair
Otter Score
60
Fair

Trading Snapshot

Day Range
$45.86 – $46.36
52-Week Range
$34.10 – $49.62
Volume
$2.71B
Avg Volume
$1.81B
Shares Outstanding
137.8M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$1.82B
Last Q Revenue
$418M
P/E Ratio
12.7
P/S Ratio
3.6x
EPS (TTM)
$3.69
Dividend Yield
3.25%
Dilution (1yr)
+3.9%

Why Investors Own UBSI

  • ✓High-growth profile — revenue up +21.9% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 52% gross margin and 6% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UBSI logo

UNITED BANKSHARES INC

UBSI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.8B▲ +12.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
65.4%▲ +5.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$590M▲ +27.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$481M▲ +11.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
141.0M▲ +3.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$1.6B▲ +$133M YoY
StockOtter · stockotter.space

About UNITED BANKSHARES INC

Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
60/100

Analyst Price Target

ⓘ
Average Target
$54.07
▲ +17.1% Upside
High Target$67.57
Low Target$45.93
Based on 25 analysts

Latest News & Updates

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Reuters·2h ago

UNITED BANKSHARES INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Bloomberg·5h ago

Analysts lift UBSI price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

UNITED BANKSHARES INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.