United Bankshares Inc. Common Stock (UBSI)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank as a trust business: take deposits, lend prudently, and earn a spread. United Bankshares is a straightforward commercial and retail lender with a $6.2 billion market cap and 2,740 employees. The filed record shows net income of $366.3 million in fiscal 2023, $373.0 million in fiscal 2024, and $464.6 million in fiscal 2025, with diluted EPS of $2.71, $2.75, and $3.27. Quarterly EPS has been steady: $0.92 in fiscal Q3 2025, $0.91 in fiscal Q4 2025, $0.89 in fiscal Q1 2026, and $0.95 in fiscal Q2 2026. That is consistency, though not spectacular growth. At the 2026-10-13 close of $45.68, FairStock calculations show a P/E of 12.45, price-to-book of 1.13, ROE of 9.47%, and a dividend yield of 3.33%. A P/B near 1.1 and a P/E of 12.45 are not demanding if earnings hold, but ROE below 10% tells me this is not a high-quality compounder. The Lynch category is STALWART, based on 10% annual profit growth over five years, while FairStock's PEG is 0.26, which looks cheap if that growth is durable. Piotroski is 5/9, middling. The big unknowns are bank-specific: CET1, NIM, and combined ratio are not in the data, and D/E is N/A. I would need credit and margin data before calling it safe. Overall, a modestly valued, steady regional bank with a margin of safety only if credit remains benign.

In plain English: United Bankshares is a regional bank that takes deposits and makes loans to businesses and individuals. Its profits have been fairly steady and it pays a dividend, but the returns it earns on shareholder money are only moderate. Compared with its recent earnings and accounting value, the stock looks reasonably priced rather than obviously cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer