United Bankshares, Inc. (UBSI) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $45.05, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away).
United Bankshares is a West Virginia-chartered financial holding company with $33.7 billion in consolidated assets at December 31, 2025, operating through United Bank across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, and adjacent markets. Revenue... Read more
Hold if already holding. Not a fresh buy at $45.05, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 36d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About United Bankshares, Inc.
About United Bankshares, Inc.
United Bankshares held $33.7 billion in consolidated total assets and $5.5 billion in shareholders' equity at December 31, 2025, following the January 10, 2025 acquisition of Piedmont Bancorp ($2.4 billion in assets, sixteen Georgia locations). The company operates as a financial holding company subject to Federal Reserve Board regulation through United Bank, its sole banking subsidiary, serving markets across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, Ohio, Pennsylvania, and the District of Columbia.
Revenue is driven by net interest income from commercial, real estate, and consumer lending. The loan and lease portfolio grew $3.0 billion or 14.01% in 2025, with the Piedmont acquisition contributing $2.02 billion. Commercial real estate loans increased $2.0 billion or 22.98% while residential real estate loans rose $590.9 million or 10.73%. At December 31, 2025, approximately $11.9 billion—48.16% of total loans—were real estate and construction loans, the only loan classification exceeding 10% of the portfolio. Fee income comes from trust and estate services, mortgage banking (United originated $370.9 million of real estate loans for sale in the secondary market in 2025), and brokerage services through United Brokerage Services, Inc., a FINRA-regulated broker/dealer and registered investment advisor. Core deposits—demand, savings, and NOW accounts—are the primary funding source, supplemented by federal funds purchased, repurchase agreements, and FHLB advances.
Show full overview
United's credit cycle position centers on its commercial real estate concentration: 48.16% of loans are secured by real estate across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, Ohio, Pennsylvania, and the District of Columbia. Allowance for credit losses is governed by the CECL model, which requires management judgment on macroeconomic forecasts; if regulators reviewing the allowance require additional provisions, net income and capital could decline. The 10-K also notes United has not offered teaser-rate or sub-prime loans (defined as credit scores below 660), and that collateral values in the multi-state footprint may deteriorate in regional downturns, potentially impairing borrower repayment capacity across the portfolio.
See also: Financial Services · Banks - Regional
From United Bankshares, Inc.'s most recent 10-K filing, extracted June 16, 2026.
Recent developments
updated 2026-06-17Recent Developments — United Bankshares, Inc.
Latest news
- NEWS Ruffer LLP Invests $3.13 Million in United Bankshares, Inc. $UBSI - MarketBeat — MarketBeat positive
- NEWS Net income from continuing operations of United Bankshares, Inc. – NASDAQ:UBSI - TradingView — TradingView neutral
- NEWS Net income from continuing operations of United Bankshares, Inc. – NASDAQ:UBSI - TradingView — Track All Markets — TradingView — Track All Markets neutral
- NEWS United Bankshares, Inc. (NASDAQ:UBSI) Given Average Rating of "Hold" by Analysts - MarketBeat — MarketBeat neutral
- NEWS United Bankshares (UBSI) Could Be a Great Choice - Yahoo Finance — Yahoo Finance positive
Generated 2026-06-17T09:12:26Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfolioreal estate and construction loans48%10-K Item 1: 'approximately $11.9 billion or 48.16% of United's total loan portfolio were for real estate and construction'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $45.05, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Target $45.17 (+0.3%), stop $43.23 (−4.2%), A.R:R -1.1:1. Score 6.3/10, moderate confidence.
Take-profit target: $45.17 (+0.3% upside). Target $45.17 (+0.3%), stop $43.23 (−4.2%), A.R:R -1.1:1. Stop-loss: $43.23.
Analyst target reached - limited upside remaining; Near 52-week high (2.3% away).
United Bankshares, Inc. trades at a P/E of 12.6 (forward 11.8). TrendMatrix value score: 7.7/10. Verdict: Hold.
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-chartered financial holding company with $33.7 billion in consolidated assets at...
United Bankshares is a West Virginia-chartered financial holding company with $33.7 billion in consolidated assets at December 31, 2025, operating through United Bank across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, and adjacent markets. Revenue is generated from commercial and retail banking, including net interest income on a loan portfolio skewed toward commercial real estate, plus trust, brokerage, and mortgage banking fees.