UBSI · United Bankshares Inc/Wv
$47.04
+0.64 (+1.38%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$6.38B
Shares
136.21M
Volume · Oct 2
1.17M
Avg daily vol (3M)
978.04K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$47.04
Open$46.81
Day$46.63–47.31
52W close$34.31–49.37
Avg vol 30d1.1M
Short int6.2M · 4.5% float · 7.0d
Short vol74%
Last earningsJul 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 2 wks
filed Aug 7, 2026
call held Oct 26, 2021
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$1.28B
Trailing 12 months
Net income (TTM)
$515.15M
Trailing 12 months
Revenue growth YoY
+5.8%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
12.8
Trailing earnings · reciprocal yield 7.8%
FCF yield
8.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-2.8%
Year over year · fewer shares
Price change (1Y)
+28.1%
Trailing year
Short interest
4.5%
Latest settlement · 7.0 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
−1%
below
RSI (14)
51
neutral
MACD trend
Negative
52-week position
85%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+7%
trailing
YTD return
+23%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $48 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
4 of 451 funds reported for Sep 30 · net +146 sh shares
Insider flow
Distributing
Net -$148.5K over 90 days · 100% sells
Short interest
Rising
4.53% of float · ▲ +10.3% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
451 holders — near 3-yr high, broad support
Squeeze score
64
elevated · 0–100
Fundamentals
Revenue growth
−6%
Y/Y
EPS growth
+19%
Y/Y
Free cash flow
$481.2M
Valuation
P/E 12.8
in line
Balance sheet
$1.8B
net cash
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.7%
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
FY 2026
Provision expense
Initiated
$30M
2026
Non interest income
$135M – $140M
Non interest expense
$620M – $625M
Effective Tax Rate
20.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
51
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $48 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
4 of 451 funds reported for Sep 30 · net +146 sh shares
Insider flow
Distributing
Net -$148.5K over 90 days · 100% sells
Short interest
Rising
4.53% of float · ▲ +10.3% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
451 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $34
Now $47 · 85%
Range high $49
vs 200-day avg +7%
vs 50-day avg -1%
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 |
|---|---|---|---|
| Annualized return on average assets | 1.56% | the second quarter of 2026 filing | — |
| Annualized return on average shareholders' equity | 9.53% | the second quarter of 2026 filing | — |
| Annualized return on average tangible common equity non-GAAP | 15.15% | the second quarter of 2026 filing | — |
| Average interest-bearing deposits | $20.51B | Three Months Ended June 30, 2026 filing | — |
| Average net loans | $24.67B | Three Months Ended June 30, 2026 filing | — |
| Effective tax rate | 19.96% | the quarter ended June 30, 2026 filing | — |
| Net interest margin | 3.81% | Three Months Ended June 30, 2026 filing | — |
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
|
$6.38B | +22.5% | -5.7% | 12.8 | 4.5% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
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 | +0.4% | -1.2% | +7.0% | +2.4% | +22.5% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +0.6% | -0.7% | -5.2% | +1.5% | +9.6% |