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United Bankshares

NSQ:UBSI · US9099071071
BanksSmall

360

50
Profit price64
Cash yield85
Price/Sales9
EV / Gross Profit69
Price/Book55
Returns on capital60
Profit margins—
Cash Conversion59
Accruals43
Owner Earnings Margin86
Sales growth26
Profit Growth93
Owner Earnings Growth69
Reinvestment51
Price momentum42
Debt load72
Debt serviceability57
Liquidity56
Analyst ratings12
Opinion Changes50
Price Target Upside40
Market mood73
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

United Bankshares generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1982
Websiteubsi-inc.com
ISINUS9099071071
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P MIDCAP (USA)D.J. US Regional Banks
Themes
BankingFinancial Services

Description

United Bankshares, Inc. (United) operates as the bank holding company for United Bank that provides offers a full range of commercial and retail banking services and products. United also owns nonbank subsidiaries, which engage in other community ba…

Analysis

Middle-of-the-road

United Bankshares, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
85
2023202420252026

All-time high

85

Jun 2026

All-time low

28

Jan 2025

Average rank

61

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
9
16
7
20
Price/Earnings
16
25
23
19
Price/Book
55
61
42
67
Dividend Yield
85
82
77
83
Value (overall)
40
43
27
47

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →