United Bankshares, Inc. (UBSI) Stock Analysis

Q: What is the UBSI stock price target?

Take-profit $43.71 (+3.4% upside). Target $43.71 (+3.4%), stop $40.62 (−4.0%), A.R:R -0.5:1.

Q: Is UBSI overvalued or undervalued?

United Bankshares, Inc. trades at a P/E of 11.9 (forward 11.2). TrendMatrix value score: 7.8/10. Overall verdict: Hold.

Q: What do analysts say about UBSI?

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

HoldModerate ConfidenceUpdated 16 hr ago (May 20, 2026, 1:36 AM ET)

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $42.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5).

United Bankshares is a $33.7B-asset financial holding company operating United Bank across West Virginia, Virginia, Maryland, North Carolina, South Carolina, Georgia, and Washington D.C. Net interest income on loans and deposits is the primary revenue source; commercial real... Read more

$42.26+3.4% A.UpsideScore 6.3/10#26 of 142 Banks - Regional

QualityF-score8 / 9FCF yield—

IncomeYield3.64%(5y avg 4.02%)Payout42.02%sustainable

Stop $40.62Target $43.71(resistance)A.R:R -0.5:1

Analyst target$47.40+12.2%5 analysts

$43.71our TP

$42.26price

$47.40mean

$50

Hold if already holding. Not a fresh buy at $42.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — United Bankshares, Inc.

Latest news

Ruffer LLP Invests $3.13 Million in United Bankshares, Inc. $UBSI - MarketBeat — MarketBeat positive
Net income from continuing operations of United Bankshares, Inc. – NASDAQ:UBSI - TradingView — TradingView neutral
Net income from continuing operations of United Bankshares, Inc. – NASDAQ:UBSI - TradingView — Track All Markets — TradingView — Track All Markets neutral
United Bankshares, Inc. (NASDAQ:UBSI) Given Average Rating of "Hold" by Analysts - MarketBeat — MarketBeat neutral
United Bankshares (UBSI) Could Be a Great Choice - Yahoo Finance — Yahoo Finance positive

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards

Sector modifier (Financial Services): +1.0

Strong earnings beat streak (4/4)

Attractive valuation

Risks

Analyst target reached - limited upside remaining

V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5)

Negative momentum

Key Metrics

P/E (TTM)11.9

P/E (Fwd)11.2

Mkt Cap$5.9B

EV/EBITDA—

Profit Mgn40.3%

ROE9.3%

Rev Growth18.5%

Beta0.74

Dividend3.64%

Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.07bullish

IV51%elevated

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

Rating Breakdown

1 floor-breaker·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

Quality5.515%0.82

Growth8.615%1.29

Momentum3.510%0.35

Sentiment5.610%0.56

Insider Activity5.010%0.50

Peer Rank5.310%0.53

Technical Setup8.15%0.41

Risk Profile7.35%0.36

Catalyst6.35%0.32

Overall (Σ contributions)6.31

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

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd

0.0

Obv

1.0

Volume

2.9

Ma Position

6.0

Rsi

7.5

Uptrend pullback (RSI 40) - buy opportunityVolume distribution (falling OBV)Above 200-day MA

GatesMomentum 3.5<4.5A.R:R -0.5=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 64d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate

RSI

40 · Neutral

↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $41.43Resistance $44.60

Price Targets

$41

$44

A.Upside+3.4%

A.R:R-0.5:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeRisk-Off

Risk Alerts

! Target reached (-2.4% upside)

! Momentum score 3.5/10 — below 4.5 minimum

! Negative risk/reward — downside exceeds upside

Earnings

4/4 beats

Next Earnings2026-07-23 (64d)

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 $42.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $43.71 (+3.4%), stop $40.62 (−4.0%), A.R:R -0.5:1. Score 6.3/10, moderate confidence.

What is the UBSI stock price target?

Take-profit target: $43.71 (+3.4% upside). Target $43.71 (+3.4%), stop $40.62 (−4.0%), A.R:R -0.5:1. Stop-loss: $40.62.

What are the risks of investing in UBSI?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5); Negative momentum.

Is UBSI overvalued or undervalued?

United Bankshares, Inc. trades at a P/E of 11.9 (forward 11.2). 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 $33.7B-asset financial holding company operating United Bank across West Virginia, Virginia,...