What sector does United Bankshares belong to?

United Bankshares operates in the Financials sector, specifically the Regional Banks industry, and is listed on the US markets.

What is the current share price of UBSI?

As of the latest available quote, UBSI traded at $47.22. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of UBSI?

United Bankshares has a price-to-earnings (P/E) ratio of about 12.87. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of UBSI?

The market capitalisation of United Bankshares is approximately $24.11B.

Is United Bankshares profitable?

For its latest reported financial year, United Bankshares recorded a net profit margin of about 27.56%.

Does UBSI pay a dividend?

United Bankshares currently has a dividend yield of about 3.22%.

What is the return on equity (ROE) of UBSI?

United Bankshares has a return on equity (ROE) of about 8.43%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of UBSI?

Over the past 52 weeks, UBSI has traded between a low of $34.10 and a high of $49.62.

United Bankshares

UBSI US Financials Regional Banks

S&P 400

$47.22

+0.58%

Delayed · cached 15 min

Fair value analysis

UBSI

United Bankshares

$47.22

Close used for this calculation

$18.44Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

50/100

Profitability16/25

Returns2/25

Balance Sheet19/25

Efficiency13/25

Growth8/25

Good

Quality radar

Consensus fair value

$18.44

Above FV

▼ -60.9% against the close used

Model range $5.97 – $30.78

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$5.97Fair value$18.44Bull$30.78

FairClose

52-week traded range

52W low $34.3152W high $49.37

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

United Bankshares closed at $47.22, 156.1% above the consensus fair value of $18.44 drawn from 9 valuation models.

Financial DNA score 50/100 — Good. P/E of 51.9x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$17.66

-62.6%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=8%, r=10%, tg=3%, n=10yr

Graham Number

$28.50

-39.6%

√(22.5 × EPS × BVPS)

EPS=0.91, BVPS=39.68 · outside Graham range (P/E 51.9, P/B 1.2) — asset-light, treat as a rough floor

P/E Fair Value

$18.20

-61.5%

EPS × 20x (sector P/E)

EPS=0.91, Sector P/E=20x

Peter Lynch (PEG)

$5.97

-87.4%

EPS × Growth% (PEG = 1 is fair)

EPS=0.91, g=6.6%

EV/EBITDA

$11.76

-75.1%

(EBITDA × 10x − Net Debt) ÷ Shares

EBITDA=600.21M

Dividend Discount (DDM)

$19.02

-59.7%

D1 ÷ (r − g) where D1 = D0×(1+g)

D0=1.49, r=10%, g=2%

Book Value (P/B)

$30.78

-34.8%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=39.68, ROE=8.4%, g=3%, r=10%

Reverse DCF

$47.22

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: 20% | Historical: -6.6%

Margin of Safety

$16.09

-65.9%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=21.45, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

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