UBSI · United Bankshares Inc/Wv

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$48.86 -0.14 (-0.29%)

Market Cap

$6.75B

137.80M

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 12 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 8, 2026

Equibles Rating

blended score · not investment advice

Overall

Strong Buy

SellHoldBuy

Technical Strong Buy Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Very Low

Market backdrop VIX 18.2 · elevated Equity put/call 0.71

Technical

price trend

Strong Buy

50 / 200-day cross No cross

Price vs 200-day avg +18%

above

Price vs 50-day avg +9%

above

RSI (14) 69

neutral

MACD trend Positive

52-week position 100%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +6%

trailing

6-month return +15%

trailing

YTD return +29%

this year

Relative strength +7%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $45 › 200d $41 — 50d above 200d

Institutional flow Accumulating

134 of 417 funds reported for Jun 30 · net +767.7K sh shares · +19 new

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

4.26% of float · ▲ +1.0% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

417 holders — near 3-yr high, broad support

Squeeze score 67

elevated · 0–100

Fundamentals

Strong

Revenue growth −6%

Y/Y

EPS growth +19%

Y/Y

Free cash flow $481.2M

Valuation P/E 13.7

in line

Balance sheet $902.7M

net cash

Quant / Vol

risk profile

Very Low

Volatility 23%

annualized · 1-yr

Max drawdown −14%

past year

ATR 1.8%

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.

Technicals

trend & momentum for long-term holders Strong Buy

0 · 3 · 4

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+18% Bullish

Price vs 50-day avg

+9% Bullish

RSI (14)

69 Neutral

MACD trend

Positive Bullish

52-week position

100% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $45 › 200d $41 — 50d above 200d

Institutional flow Accumulating

134 of 417 funds reported for Jun 30 · net +767.7K sh shares · +19 new

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

4.26% of float · ▲ +1.0% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

417 holders — near 3-yr high, broad support

Price context

position in its 52-week range

52-wk low $33 Now $49 · 100% 52-wk high $49

vs 200-day avg +18% vs 50-day avg +9%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
annualized return on average assets	1.56%	second quarter of 2026	—

annualized return on average shareholders' equity	9.53%	second quarter of 2026	—

annualized return on average tangible common equity non-GAAP	15.15%	second quarter of 2026	—
interest spread	3.07%	second quarter of 2026	—

net interest margin	3.81%	second quarter of 2026	—

Acquired loan accretion income	$7.5M	first quarter of 2026	—
Average cost of funds decrease	14	first quarter of 2026	—
Non-performing loans	$102.8M	as of March 31, 2026	—
Non-performing loans as a percent of loans & leases, net of unearned income	0.41%	as of March 31, 2026	—
Total non-performing assets	$113.2M	as of March 31, 2026	—
Total non-performing assets as a percent of total assets	0.34%	as of March 31, 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 assets	1.41%	Year of 2025	—
Return on average shareholders' equity	8.63%	Year of 2025	—
Return on average tangible equity non-GAAP	13.95%	Year of 2025	—
Yield on average net loans and loans held for sale	6.18%	Q4 2025	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
UBSI United Bankshares Inc/Wv this stock	$6.75B	+28.9%	-5.7%	13.7	4.3%
MFG Mizuho Financial Group Inc	$122.92B	+44.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.08B	-35.5%	+15.2%	—	0.4%
IBN Icici Bank Ltd	$107.31B	+0.3%	—	—	0.6%
PNC Pnc Financial Services Group, Inc.	$101.03B	+21.5%	+7.2%	14.6	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

432

% held: 68.1%
Reported: 134 of 417
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

345

View

Short & Settlement

Short Interest Rising

Shares short

5.9M

Days to cover: 6.1d
Change: +55.3K sh

View

Short Volume

Short vol %

87%

As of: Jul 28, 2026

Short Total

View

Fails to Deliver

FTD shares

657

Value: $30.0K
As of: Jun 30, 2026

View

Off-Exchange

Off-exchange %

30.6%

Week of: May 4, 2026

Off-exch Lit

View

Smart Money

Congressional Trades Sell

Member

Lisa McClain

Amount: $1.0K–$15.0K
Traded: Jun 11, 2025

View

Financials

Revenue (FY)

$312.0M

Net income (FY): $464.6M
EPS diluted: $3.27

View

Filings

SEC Filings

Latest

8-K

Filed: Jul 23, 2026
This year: 7

View

Proposed Sales

Value

$240.3K

Shares: 6.0K
Filed: Dec 18, 2024

View

Earnings & Events

Earnings Calls

Last call

Jul 23, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
UBSI	+3.9%	+6.0%	+14.9%	+6.9%	+28.9%
SPY	-1.0%	0.0%	+7.4%	-0.8%	+8.6%
vs SPY	+4.9%	+6.1%	+7.4%	+7.7%	+20.2%

Capital returns

Latest dividend

$0.38 / share · ex Jun 12, 2026

Raised 2.7%

Paid (TTM)

$1.51 / share · 4 payouts

Dividend yield (TTM, derived)

3.08%

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) 131 filings 130 filers Visit website Investor relations

UBSI · United Bankshares Inc/Wv

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns