United Bankshares, Inc. research snapshot
The AI analysis of UBSI (United Bankshares) rates it 76 out of 100 as of the August 3, 2026 data cutoff. United reported record second quarter earnings of $131.4 million, or $0.95 per diluted share on July 23, 2026, beating the consensus estimate of $0.89, with a net interest margin of 3.81%, return on average assets of 1.56%, and return on average tangible common equity of 15.15%. The stock traded near $48.71 in early trading on August 3, up about 35% over the last 52 weeks, with a market capitalization near $6.65 billion, a trailing price to earnings ratio near 13.2x, a price to book ratio near 1.20x, and a 3.1% dividend yield backed by 37 consecutive years of increases. The base case scenario points to a range of $50 to $54 over the next 12 months, supported by record earnings momentum, stable credit quality, and disciplined capital return, though the stock now trades near the top of its historical valuation band and leaves less margin of safety. This page is an informational research tool only and does not constitute investment advice.
Current price
$48.71 in early trading on August 3, 2026
Market cap
$6.65 billion
AI score
76 / 100
Rating
Record Q2 2026 earnings and a 37-year dividend growth streak offset by a full valuation for a mid-cap regional bank
Trend status
Up about 35% over the trailing 52 weeks and above its 50-day and 200-day moving averages, trading near the 52-week high of $49.27
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Stable deposit-funded community and commercial banking franchise across Washington D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania, and Georgia, with record Q2 2026 earnings of $131.4 million and return on average assets of 1.56%. | High |
| Moat | Moderate regional franchise value with long local presence and relationship lending, but low deposit switching costs and no network effect; the strongest moat element is the acquisition and integration playbook that built a $33.8 billion asset base. | Medium |
| Management | Richard M. Adams Jr. leads a second-generation founding family business with smooth succession and disciplined capital allocation: about 3.2 million shares repurchased in the first half of 2026 at an average of $41.78, plus a 37-year dividend growth streak. | High |
| Financial trend | Record first half 2026 net income of $255.6 million, up 25% from $205.0 million a year ago; TTM revenue near $1.25 billion, TTM net income near $514 million, net interest margin stable at 3.80-3.81%, and return on equity near 9.5%. | High |
| Valuation | 13.2x trailing earnings, 1.20x book value, and a 3.1% dividend yield; the P/E is near the high end of the 5-year band of roughly 11.7x to 14.5x, so valuation is full rather than cheap. | Medium-high |
| Technical trend | Strong uptrend with price above the 50-day moving average near $45.69 and the 200-day near $41.74, 14-day RSI near 64, and price approaching the 52-week high of $49.27. | Medium |
| Risk level | Moderate. Commercial real estate exposure near 43% of loans, net interest margin sensitivity to rate cuts, deposit cost competition, and regional economic concentration are the main concerns. | Medium |
| AI confidence | 76/100. Above average for a mid-cap regional bank with transparent quarterly reporting and multi-source cross-validation. | Medium-high |
| Investment certainty | Medium. A reasonable core holding for income investors, but full valuation and rate-cycle uncertainty cap the margin of safety. | Medium |
UBSI AI stock forecast
The UBSI AI stock forecast uses three scenarios around the $48.71 early-session price on August 3, 2026, the TTM EPS of $3.66, and consensus 2026 EPS near $3.69. The scenario ranges below are based on observable data and analyst targets, not price commitments.
$55 to $60
More likely if the Fed holds rates steadier than expected, deposit costs keep falling faster than loan yields, commercial real estate credit stays benign, management keeps buying back stock, and the market re-rates UBSI toward 14x earnings as regional bank sentiment improves.
$50 to $54
More likely if net interest margin stays near 3.8%, loan growth runs in the mid single digits, credit costs remain low, and the multiple holds near 13x earnings, consistent with the $50 average analyst price target.
$38 to $43
More likely if a downturn pushes commercial real estate losses higher, deposit competition widens the funding spread, further Fed cuts compress net interest margin below 3.5%, or the market compresses the multiple toward 10x earnings.
UBSI AI technical analysis
UBSI AI technical analysis is bullish but extended as of the August 3, 2026 data cutoff. The stock traded near $48.71 in early trading, above its 50-day moving average near $45.69 and its 200-day moving average near $41.74, with 14-day RSI near 64 on Barchart and 64.40 relative strength on StockAnalysis.com. Price is approaching the 52-week high of $49.27, where Barchart places the third resistance point near $49.30, so the near-term path depends on a volume-confirmed breakout or a shallow pullback toward the support cluster.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $48.71 | StockAnalysis.com early-session quote on August 3, 2026, with a previous close of $48.45; Barchart quoted $48.86 on the same day. |
| Resistance R1 | $48.71 to $48.97 | Barchart placed the 1st resistance point near $48.71 and the 2nd near $48.97 on August 3, 2026. |
| Resistance R2 | $49.27 to $49.30 | The 52-week high of $49.27, with Barchart putting the 3rd resistance point near $49.30; a decisive break would open a new leg higher. |
| Support S1 | $48.12 | Barchart listed the 1st support level near $48.12 on August 3, 2026. |
| Support S2 | $47.53 to $47.79 | Barchart placed the 2nd support near $47.79 and the 3rd near $47.53, which overlaps the 20-day moving average near $47.30. |
| Support S3 | $45.69 | The 50-day moving average reported by Barchart on August 3, 2026; StockAnalysis.com reported $45.58. |
| 50-day moving average | $45.69 | Barchart reported the 50-day moving average near $45.69 on August 3, 2026, below the current price and confirming the intermediate uptrend. |
| 200-day moving average | $41.74 | Barchart reported the 200-day trend line near $41.74 on August 3, 2026, with StockAnalysis.com near $41.68; price is well above it. |
| Momentum | RSI near 64 | Barchart reported 14-day relative strength near 64.40 on August 3, 2026, and StockAnalysis.com reported RSI near 63.43, strong but below the 70 overbought threshold. |
| Volume | About 1.0 million average shares | Barchart listed 20-day average volume near 1.02 million shares and StockAnalysis.com near 1.05 million on August 3, 2026. |
| Volatility | Low to moderate | Barchart reported 14-day historical volatility near 19.1% and a beta near 0.73, so UBSI swings less than the broad market. |
| Invalidation | Close below $47.30 | A daily close below the 20-day moving average near $47.30 would weaken the short-term trend, and a close below the 50-day near $45.69 would signal a deeper correction. |
UBSI AI trading strategy
The UBSI AI trading strategy is a rules-based research framework, not personalized advice. It should be paired with fresh chart data, your risk tolerance, position sizing rules, and a defined invalidation level.
Watch for UBSI to close decisively above $49.30 (the 52-week high area) on above-average volume near 1.0 million shares as confirmation of a breakout continuation, then hold while price stays above the 20-day moving average near $47.30.
Set an initial stop below the 20-day moving average near $47.30 and tighten it once price extends above $50. If a breakout to new highs fails with weak volume, stand aside rather than chase.
Look to buy a pullback toward the $45.50 to $47.30 zone, which combines the 20-day moving average and the 50-day moving average near $45.69, while keeping the fundamental story of record earnings and stable credit intact.
Place a stop below the 50-day moving average near $45.69 and size the position so a stop-out costs no more than 1-2% of the portfolio. Do not average down below the 50-day because a break there tends to open the path toward $41-42.
Accumulate on pullbacks to the $43-46 zone for a higher yield-on-cost, reinvest dividends to compound the 37-year growth streak, and monitor the payout ratio near 41.5% as a fundamental health check each quarter.
Re-evaluate the thesis if the payout ratio moves above 55% or if the dividend is frozen or cut, which would be a rare event for a bank with 37 straight years of increases. Also watch net interest margin and commercial real estate nonperformers in each report.
Investment research summary
United Bankshares collects low-cost deposits and originates commercial, commercial real estate, residential mortgage, construction, and consumer loans across nine states, and also earns fee income from brokerage, trust, and mortgage banking services. Customers pay for dependable local banking relationships and full-service commercial lending, and the model converts deposit funding into a steady stream of net interest income that reached $285.3 million in the second quarter of 2026.
UBSI has a moderate geographic moat as the parent of United Bank, one of the larger banking companies based in the Mid-Atlantic and Southeast with over 240 offices. Deposit switching costs are low, and brokerage and mortgage banking face competition, so the moat rests mainly on long local relationships, brand recognition in its markets, and management proven acquisition integration that has compounded book value over decades.
The thesis fails if: (1) a recession drives commercial real estate losses, given that CRE loans near 43% of the $25.0 billion loan book, forcing higher provision and capital strain; (2) deposit competition from online banks permanently widens the funding spread and presses the 3.81% net interest margin below 3.5%; (3) further Fed rate cuts cut loan yields faster than deposit costs; or (4) management overpays for a transformative acquisition and breaks the acquisition discipline that built the franchise.
Richard M. Adams Jr. leads a founding-family company after taking over from his father, who built United through decades of acquisitions. The management team has shown disciplined capital allocation: roughly 3.2 million shares repurchased in the first half of 2026 at an average price of $41.78, a dividend raised for 37 consecutive years, and record Q2 2026 earnings announced on July 23, 2026. Insider ownership is about 2.4%, with institutions holding about 75.6% of the shares.
Regional banking continues to consolidate, which favors well-capitalized acquirers like UBSI. The post-2023 regional banking stress raised deposit insurance and regulatory costs but also removed competitors. UBSI operates across growing Southeastern and Mid-Atlantic markets that benefit from population and business migration, while a slowly normalizing rate environment and continued demand for deposits and commercial credit support the long-term franchise value.
At $48.71, UBSI trades near 13.2x trailing earnings, 1.20x book value, and 3.1% dividend yield. The 13x earnings multiple is near the high end of the 5-year range of roughly 11.7x to 14.5x, so the stock is fairly to fully valued rather than cheap. The margin of safety is thinner than a year ago, and upside now depends on earnings growth and credit stability, not a valuation reset.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| UBSI price | $48.71 in early trading on August 3, 2026 | StockAnalysis.com real-time quote | August 3, 2026 |
| Market cap | $6.65 billion, computed as $48.71 x 136.62 million shares outstanding | StockAnalysis.com quote and statistics | August 3, 2026 |
| Q2 2026 earnings | Net income of $131.4 million, or $0.95 per diluted share, versus $0.85 a year ago | United Bankshares Q2 2026 earnings release (July 23, 2026) | July 23, 2026 |
| TTM EPS | $3.66 to $3.67 | StockAnalysis.com ($3.66) and Barchart ($3.67), SEC EDGAR XBRL verified | August 3, 2026 |
| P/E (TTM) | 13.23x | StockAnalysis.com, with Barchart near 13.18x | August 3, 2026 |
| Revenue (TTM) | $1.25 billion | StockAnalysis.com, cross-checked with Q2 2026 earnings release | August 3, 2026 |
| Net income (TTM) | $514.12 million | StockAnalysis.com, with FY2025 net income of $464.6 million per SEC EDGAR XBRL | August 3, 2026 |
| Book value per share | $40.34 | StockAnalysis.com, with $40.24 per the Q2 2026 earnings release | August 3, 2026 |
| P/B ratio | 1.20x to 1.21x | StockAnalysis.com (1.20x) and Barchart (1.21x) | August 3, 2026 |
| Dividend yield | 3.1% ($1.52 annual) | StockAnalysis.com and Barchart | August 3, 2026 |
| 52-week range | $34.10 to $49.27 | StockAnalysis.com and Barchart | August 3, 2026 |
| Net interest margin | 3.81% for Q2 2026 | United Bankshares Q2 2026 earnings release | July 23, 2026 |
This page is an informational research tool generated by AI analysis of publicly available data as of August 3, 2026. It is not investment advice, a recommendation to buy or sell any security, or a solicitation of any kind. All forecasts, scenarios, and technical levels are based on observable data and may be wrong. Past performance does not guarantee future results. Always conduct your own due diligence and consult with a licensed financial advisor before making investment decisions.
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