UBSI · NASDAQ · STOCK
United Bankshares (UBSI) Stock Analysis
$47.82
52W $34.10 – $49.62
71/100
$6.56B
13.0
0.73
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is UBSI Bullish or Bearish?
Bullish.
Innellis AI committee rates United Bankshares (UBSI) Buy with a composite score of 71/100
, based on 6 analysts with 83% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.20 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -15.80 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 50.6% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.6 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 4.4% pays you to wait — Value
- Revenue growing 50.6% YoY -- genuine top-line momentum — Growth
- EPS growing 29.4% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
71/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 1%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.6 is inexpensive for the broad market
Growth Analyst
bullish
84
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 50.6% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.09) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
76
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.57 across 7 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 70.8 to 70.8.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
49.5
Neutral
MACD Histogram
-0.160
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$41.45
Resistance
$49.59
Bollinger %B
0.37
Inside Bands
Price vs Moving Averages
EMA 9
$47.43
Above
EMA 21
$47.69
Above
EMA 50
$47.19
Above
EMA 200
$43.66
Above
Fundamental Analysis
Valuation
100
Growth
81
Profitability
64
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
13.0×
P/B Ratio
1.21×
PEG Ratio
0.44
Dividend Yield
3.17%
52W High
$49.62
52W Low
$34.10
Quality & Growth
ROE
845.4%
ROA
138.0%
Gross Margin
6782.9%
Operating Margin
3401.2%
Revenue Growth YoY
—
Debt / Equity
0.15
AI Fundamental Assessment
P/E ratio of 13.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.5%; Return on assets of 1.4%; Net margin of 28.6%; Gross margin of 67.8%; Current ratio of 32.34 (healthy short-term liquidity); Debt-to-equity of 0.15; Free cash flow per share is positive (3.95); Most recent quarter beat estimates by 5.0%; 5 consecutive earnings beats; EPS growth accelerating (-2.2% -> +6.7% QoQ); Average YoY EPS growth of 11.8%; Analyst estimates rising over recent quarters
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