UBSI
United Bankshares, Inc.
UBSI's fundamentals are mixed: its operating margin rose 4 points to 50%, while revenue grew 8.7%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
UBSI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UBSI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UBSI.
UBSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $43.13 | -9.9% |
| Forward | 12x | $47.86 | — |
| Fair | 13x | $47.68 | -0.4% |
| Current | 13x | $47.86 | — |
| Expensive | 15x | $53.85 | +13% |
Historical ranges are pointers, not guarantees.
UBSI's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
UBSI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UBSI, with profitability improving.
UBSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.90 | +5.6% |
| Q3 2026 | $3.69 | +21% |
| Q2 2026 | $3.67 | +30% |
| Q1 2026 | $3.57 | +33% |
| Q4 2025 | $3.27 | +19% |
| Q3 2025 | $3.05 | +16% |
| Q2 2025 | $2.83 | +6.8% |
| Q1 2025 | $2.69 | +2.7% |
| Q4 2024 | $2.74 | +1.1% |
UBSI's earnings per share have climbed steadily: $3.69 over the past year, up 21% from the year before, and higher year over year for eight quarters in a row. Its recent earnings include one-off gains.
UBSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $325.1M | +0.5% |
| Q2 2026 | $323.8M | +5.8% |
| Q1 2026 | $316.6M | +9.3% |
| Q4 2025 | $318.4M | +22% |
| Q3 2025 | $323.3M | +23% |
| Q2 2025 | $306M | +20% |
| Q1 2025 | $289.6M | +14% |
| Q4 2024 | $261.9M | -0.5% |
UBSI's revenue has grown year over year for seven quarters in a row: $325M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | -1 points |
| Q2 2026 | 51% | +1 points |
| Q1 2026 | 49% | +12 points |
| Q4 2025 | 50% | +4 points |
| Q3 2025 | 51% | +5.1 points |
| Q2 2025 | 50% | +4.6 points |
| Q1 2025 | 37% | -5.6 points |
| Q4 2024 | 46% | +6.6 points |
UBSI's operating margin was 50% last quarter, down 1 points from the same quarter a year ago.
UBSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $162.7M | +11% |
| Q2 2026 | $98M | +15% |
| Q1 2026 | $156M | +34% |
| Q4 2025 | $133.5M | 0% |
| Q3 2025 | $146.4M | +20% |
| Q2 2025 | $85.2M | +46% |
| Q1 2025 | $116.1M | -2.9% |
| Q4 2024 | $133.5M | -16% |
UBSI's free cash flow was $550M over the past year, up 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UBSI.
UBSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -1.4M shares |
| 1 year | -3.5% | -4.9M shares |
| 3 years | +1.6% | +2.1M shares |
| 5 years | +6.3% | +8.1M shares |
| Available history | +35% | +35.5M shares |
UBSI has 137M diluted shares, down 3.5% from a year ago, with $283M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $98.8M |
| Q2 2026 | $66M |
| Q1 2026 | $70.3M |
| Q4 2025 | $47.6M |
| Q3 2025 | $26.5M |
| Q2 2025 | $32.6M |
| Q1 2025 | $20.3M |
| Q4 2024 | — |
UBSI spent $283M buying back its own shares over the past year, about four times what it spent the year before.
UBSI Net Leverage
UBSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.7 | Neutral |
| Stochastic | 60.1 | Neutral |
UBSI's weekly RSI is 58 (neutral) and its Stochastic is 60 (neutral).
UBSI PE vs Financial Services Sector
| Metric | UBSI | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.4% below |
| PE % | 50 | 63 | 13 pts below |
UBSI is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
UBSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.4 | 1% above |
| 20 week MA | $47.5 | 0.7% above |
| 50 week MA | $44.3 | 8% above |
| 100 week MA | $40.3 | 19% above |
| 200 week MA | $37.4 | 28% above |
UBSI is in an uptrend: it's above all five of its weekly moving averages, and 28% above its 200-week average.
UBSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.4 | $31.9 | -17% |
| 2021 | $31.9 | $36.0 | +13% |
| 2022 | $36.0 | $40.5 | +12% |
| 2023 | $40.5 | $37.6 | -7.2% |
| 2024 | $37.6 | $37.9 | +0.9% |
| 2025 | $37.9 | $39.5 | +4.3% |
| 2026 YTD | $39.5 | $47.9 | +21% |
UBSI has finished higher in four of the last six years. It's up 21% so far in 2026.