United Bankshares, Inc. (UBSI) Stock Analysis

Q: What is the UBSI stock price target?

Take-profit $44.05 (0.0% upside). Target $44.05 (+0.0%), stop $42.33 (−4.0%), A.R:R -1.0:1.

Range Bound setup

HoldModerate ConfidenceUpdated 2026-04-30

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $44.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.1% away).

United Bankshares is a West Virginia financial holding company with $33.7 billion in consolidated assets, operating United Bank through offices in Alabama, Florida (Panhandle), Georgia, Mississippi, Tennessee, and Texas. Revenue comes from community banking services including... Read more

$44.030.0% A.UpsideScore 6.3/10#33 of 142 Banks - Regional

Stop $42.33Target $44.05(resistance)A.R:R -1.0:1

Analyst target$47.40+7.7%5 analysts

$44.05our TP

$44.03price

$47.40mean

$50

Hold if already holding. Not a fresh buy at $44.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.1% away). Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 83d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards

Strong earnings beat streak (4/4)

Attractive valuation

Strong growth profile

Risks

Analyst target reached - limited upside remaining

Near 52-week high (4.1% away)

Key Metrics

P/E (TTM)12.1

P/E (Fwd)11.4

Mkt Cap$6.0B

EV/EBITDA—

Profit Mgn40.3%

ROE9.3%

Rev Growth18.5%

Beta0.75

Dividend3.46%

Rating analysts11

Quality Signals

Piotroski F7/9

Options Flow

P/C0.41bullish

IV52%elevated

Max Pain$20-54.6% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value7.815%1.17

Quality5.315%0.79

Growth8.615%1.29

Momentum5.410%0.54

Sentiment5.410%0.54

Insider Activity5.010%0.50

Peer Rank5.410%0.54

Technical Setup5.15%0.26

Risk Profile6.95%0.35

Catalyst7.35%0.36

Overall (Σ contributions)6.34

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

GatesA.R:R -1.0=NEGATIVEMomentum 5.4<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.4>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate

RSI

52 · Neutral

↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $41.12Resistance $44.95

Price Targets

$42

$44

A.Upside+0.0%

A.R:R-1.0:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeCautious

Risk Alerts

! Target reached (-6.3% upside)

! Negative risk/reward — downside exceeds upside

Earnings

4/4 beats

Next Earnings2026-07-23 (83d)

Verdict History

reverse chrono — latest first

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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is UBSI stock a buy right now?

Hold if already holding. Not a fresh buy at $44.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.1% away). Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $44.05 (+0.0%), stop $42.33 (−4.0%), A.R:R -1.0:1. Score 6.3/10, moderate confidence.

What is the UBSI stock price target?

Take-profit target: $44.05 (0.0% upside). Target $44.05 (+0.0%), stop $42.33 (−4.0%), A.R:R -1.0:1. Stop-loss: $42.33.

What are the risks of investing in UBSI?

Analyst target reached - limited upside remaining; Near 52-week high (4.1% away).

Is UBSI overvalued or undervalued?

United Bankshares, Inc. trades at a P/E of 12.1 (forward 11.4). TrendMatrix value score: 7.8/10. Verdict: Hold.

What do analysts say about UBSI?

11 analysts cover UBSI with a consensus score of 3.8/5. Average price target: $47.

What does United Bankshares, Inc. do?United Bankshares is a West Virginia financial holding company with $33.7 billion in consolidated assets, operating...