UBSI

United Bankshares, Inc.

Financial Services · $6.4B market cap

Verdict

Share price

$47.04

close of Oct 3, 2026

Fair value

$58.10

Sticker Price

Payback Price

$23.24

buy price

Undervalued

UBSI is Undervalued: at $47.04 it trades 19% below its fair value of $58.10. Its buy price (Payback Price) is $23.24, 51% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.7% a year✓
Equity per share growth5.2% a year✗
Sales growth9.2% a year✗
Free cash flow growth11.1% a year✓
Return on invested capital5.8%✗

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Insider activity

Since Jul 1, 2026: 4 open-market purchases and 1 sale worth $149K. Why purchases matter

Purchases

Sales

About United Bankshares, Inc.

Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works