UBSI · United Bankshares Inc/Wv
$47.71
+0.02 (+0.03%)
At close · Aug 20
Market Cap
$6.50B
Shares
136.21M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$47.69
Open$48.80
Day$47.63–48.83
52W close$34.31–49.37
Avg vol 30d920K
Short int5.4M · 4.0% float · 4.8d
Short vol67%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
+2%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
89%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+9%
trailing
YTD return
+24%
this year
Relative strength
−2%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $47 › 200d $43 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +68 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.00% of float · ▼ -7.2% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
447 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
−6%
Y/Y
EPS growth
+19%
Y/Y
Free cash flow
$481.2M
Valuation
P/E 13
in line
Balance sheet
$704.1M
net cash
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 23, 2026
2026
Net interest income (non-FTE)
Non-GAAP
$1.15B – $1.16B
Non interest expense
$620M – $625M
Non interest income
$135M – $140M
Effective Tax Rate
20.5%
FY 2026
Provision expense
Initiated
$30M
Prior guidance
period ended
· from the 8-K filed Oct 23, 2025
Net interest income (non-FTE)
· FY 2025
$1.09B – $1.1B
Total provision expense
· 2025
$55M
Loan purchase accounting accretion
· FY 2025
$32M
Non interest expense
· 2025
$598M – $605M
Non interest income
· 2025
$130M – $135M
Effective Tax Rate
· 2025
21%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $47 › 200d $43 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +68 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.00% of float · ▼ -7.2% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
447 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $34
Now $48 · 89%
Range high $49
vs 200-day avg +12%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average Tangible Common Equity non-GAAP | $3.48B | Three Months Ended June 30, 2026 filing | — |
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GAAP → non-GAAP reconciliationGAAP Average Total Shareholders' Equity 5.53B
-2.05B Less: Average Total Intangibles
= Average Tangible Common Equity 3.48B
|
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| Fully tax-equivalent net interest income non-GAAP | $286.1M | the second quarter of 2026 filing | — |
| Loan accretion | 5M | the three months ended June 30, 2026 filing | — |
| Allowance for loan & lease losses | 299.5M | second quarter of 2026 | — |
| Allowance for loan & lease losses as a percent of loans & leases, net of unearned income | 1.2% | second quarter of 2026 | — |
| Annualized return on average assets | 1.56% | second quarter of 2026 | — |
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| Annualized return on average shareholders' equity | 9.53% | second quarter of 2026 | — |
|
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| Annualized return on average tangible common equity non-GAAP | 15.15% | second quarter of 2026 | — |
| Average Shares Outstanding Basic | 137,982,273 | Three Months Ended June 2026 | — |
| Average Shares Outstanding Diluted | 138,417,644 | Three Months Ended June 2026 | — |
| Common Equity Tier 1 capital ratio | 13.3% | second quarter of 2026 | — |
| Efficiency Ratio | 47.78% | 2Q26 | — |
| Employees (full-time equivalent) | 2,754 | June 30, 2026 | — |
| EOP Shares Outstanding (Net of Treasury Stock) | 136,942,149 | June 30, 2026 | — |
| Estimated Insured/Collateralized Deposits | 18.32B | 6/30/26 | — |
| Estimated Uninsured Deposits (less affiliate and collateralized deposits) | 8.85B | 6/30/26 | — |
| Interest spread | 3.07% | second quarter of 2026 | — |
|
|
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| Leverage ratio | 11.3% | second quarter of 2026 | — |
| Loan PA Accretion | 5M | 2Q26 | — |
| Loans originated | $108.14M | Three Months Ended June 2026 | — |
| Loans sold | $102.15M | Three Months Ended June 2026 | — |
| Net charge-offs | 10.8M | Six Months Ended June 2026 | — |
| Net charge-offs as an annualized percentage of average loans & leases, net of unearned income | 0.09% | first half of 2026 | — |
| Net interest margin | 3.8% | first half of 2026 | — |
|
|
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| Net interest margin (FTE) non-GAAP | 3.8% | Six Months Ended June 2026 | — |
| Non-performing Assets / Total Assets | 0.36% | 6/30/26 | — |
| Non-performing loans | 110.6M | second quarter of 2026 | — |
| Non-performing Loans / Loans | 0.44% | 6/30/26 | — |
| Non-performing loans as a percent of loans & leases, net of unearned income | 0.44% | second quarter of 2026 | — |
| Return on Average Assets | 1.56% | 2Q26 | — |
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| Return on Average Shareholders' Equity | 9.53% | 2Q26 | — |
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| Return on average tangible common equity (non-GAAP) non-GAAP | 14.77% | Six Months Ended June 2026 | — |
| Risk-based capital ratio | 15.6% | second quarter of 2026 | — |
| Tangible Book Value Per Share non-GAAP | $25.29 | 6/30/26 | — |
| Tangible Common Equity (non-GAAP) non-GAAP | $3.46B | June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Total Shareholders' Equity (GAAP) 5.51B
-2.05B Less: Total Intangibles (GAAP)
= Tangible Common Equity (non-GAAP) 3.46B
|
|||
| Tangible Common Equity to Tangible Assets non-GAAP | 10.9% | 6/30/26 | — |
| Tier 1 capital ratio | 13.3% | second quarter of 2026 | — |
| Total Liquidity | 22.1B | 6/30/26 | — |
| Total non-performing assets | 120.9M | second quarter of 2026 | — |
| Total non-performing assets as a percent of total assets | 0.36% | second quarter of 2026 | — |
| Acquired loan accretion income | $7.5M | first quarter of 2026 | — |
| Average cost of funds decrease | 14 | first quarter of 2026 | — |
| Yield on average earning assets decrease | 12 | first quarter of 2026 | — |
| Yield on average net loans and loans held for sale decrease | 11 | first quarter of 2026 | — |
| Average equity to average assets | 16.35% | Q4 2025 | — |
| Cost of average interest-bearing deposits | 2.63% | Q4 2025 | — |
| Net interest spread | 3.04% | Q4 2025 | — |
| Return on average tangible equity non-GAAP | 14.86% | Q4 2025 | — |
| Yield on average net loans and loans held for sale | 6.18% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UBSI
this stock
United Bankshares Inc/Wv
|
$6.50B | +24.2% | -5.7% | 13.0 | 4.0% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UBSI | -2.5% | +1.7% | +9.4% | -1.6% | +24.2% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.0% | -1.2% | -2.1% | -4.5% | +11.4% |
Capital returns
Latest dividend
$0.38
/ share · ex Jun 12, 2026
Paid (TTM)
$1.51
/ share · 4 payouts
Dividend yield (TTM, derived)
3.17%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
729986
CUSIP
909907107
13F (30d)
379 filings
374 filers
Visit website
Investor relations