UBSI
United Bankshares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
47.80
▲ 0.10 (0.21%)
MARKET · —
Price
Open
47.70
Prev close
47.70
Day high
48.07
Day low
47.49
Volume
886.72K
Market cap
$6.51B
P/E (TTM)
13.03
52W range
34.10 – 49.62
Trailing performance
Returnvs SPY
1W
-2.96%
-1.6%
1M
+0.95%
-2.8%
3M
+10.95%
+7.9%
6M
+7.97%
-3.1%
YTD
+24.51%
+12.2%
1Y
+29.01%
+9.0%
3Y
+54.18%
-20.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$6.51B
Enterprise value$5.21B
Revenue (TTM)$1.25B
Gross profit$1.25B
EBITDA—
Net income$514.23M
EPS (TTM)$3.67
Free cash flow—
Total cash$2.08B
Total debt$799.45M
Book value / share$40.33
Shares outstanding136.21M
Float132.55M
Short % of float4.12%
Dividend yield3.18%
Beta (5Y)0.73
Valuation & profitability ratios
Trailing P/E13.03
Forward P/E12.39
PEG ratio1.95
Price / sales—
Price / book1.19
EV / revenue4.17
EV / EBITDA—
Gross margin0.00%
Operating margin53.08%
Profit margin41.20%
Return on equity9.47%
Return on assets1.55%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $1.24B | $1.04B | $1.06B | $1.05B |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $464.60M | $373.00M | $366.31M | $379.63M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $464.60M | $373.00M | $366.31M | $379.63M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.89 | 0.95 | +7.1% |
| Mar 2026 | 0.85 | 0.89 | +4.7% |
| Dec 2025 | 0.86 | 0.91 | +6.1% |
| Sep 2025 | 0.82 | 0.92 | +11.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.93 | 6 | $325.80M | +0.5% |
| Next quarter | 0.95 | 6 | $328.10M | +2.8% |
| Current year | 3.69 | 6 | $1.29B | +4.3% |
| Next year | 3.86 | 6 | $1.34B | +3.9% |
Analyst targets & ownership
Mean target$50.33
High target$52.00
Low target$48.00
Implied upside5.30%
Analyst count6
ConsensusHOLD
Strong buy / Buy2 / 0
Hold4
Sell / Strong sell0 / 0
Held by insiders2.21%
Held by institutions77.10%
Institutions holding566
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
3.01M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Feb 23, 26 | WILLIAMS DARREN K. Officer |
STOCK | 4.25K | $0 | Direct |
| Feb 23, 26 | TATTERSON WILLIAM MARK Officer |
STOCK | 9.25K | $0 | Direct |
| Feb 23, 26 | ERNEST DOUGLAS BRYAN Officer |
STOCK | 3.75K | $0 | Direct |
| Feb 23, 26 | DRABER ROSS M Officer |
STOCK | 3.70K | $0 | Direct |
| Feb 23, 26 | CONSAGRA JAMES J JR Chief Operating Officer |
STOCK | 13.98K | $0 | Direct |
| Feb 23, 26 | ADAMS RICHARD M SR Officer and Director |
STOCK | 16.01K | $0 | Direct |
| Feb 23, 26 | ADAMS RICHARD M. JR. Chief Executive Officer |
STOCK | 17.09K | $0 | Direct |
| Feb 19, 26 | WILLIAMS DARREN K. Officer |
STOCK | 4.78K | $0 | Direct |
| Feb 19, 26 | TATTERSON WILLIAM MARK Officer |
STOCK | 10.73K | $0 | Direct |
| Feb 19, 26 | ERNEST DOUGLAS BRYAN Officer |
STOCK | 4.21K | $185.67K | Direct |
| Feb 19, 26 | HARRIS PATRICE A. Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | CAPITO CHARLES L. JR. Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | JACKSON DIANA LEWIS Director |
STOCK | 1.59K | $0 | Direct |
| Feb 19, 26 | RICE LACY I. III Director |
STOCK | 1.59K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ADAMS RICHARD M SR |
Officer and Director | 1.00M | Stock Award(Grant) |
ADAMS RICHARD M. JR. |
Chief Executive Officer | 213.95K | Stock Award(Grant) |
CONSAGRA JAMES J JR |
Chief Operating Officer | 159.80K | Stock Award(Grant) |
CONVERSE PETER A |
Director | 438.26K | Stock Award(Grant) |
ERNEST DOUGLAS BRYAN |
Officer | 59.90K | Stock Award(Grant) |
MCNAMARA J PAUL |
Director | 81.61K | Stock Award(Grant) |
NESSELROAD MARK R |
Director | 70.40K | Stock Award(Grant) |
TATTERSON WILLIAM MARK |
Officer | 108.91K | Stock Award(Grant) |
WILLIAMS DARREN K. |
Officer | 52.95K | Stock Award(Grant) |
WINTER PAUL CLINTON JR |
Director | 496.46K | Stock Award(Grant) |
Moving averages & technicals
SMA 10
48.47
-1.39% from price
SMA 20
48.58
-1.59% from price
SMA 50
47.10
+1.50% from price
SMA 100
45.19
+5.77% from price
SMA 200
42.64
+12.12% from price
EMA 12
48.33
-1.09% from price
EMA 26
48.03
-0.48% from price
EMA 50
47.12
+1.44% from price
RSI (14)
48.0
Neutral
MACD (12,26,9)
0.30
Hist -0.23
ATR (14)
0.69
1.43% of price
Realised vol 30D
16.7%
Annualised
Bollinger upper
49.61
20, 2σ
Bollinger lower
47.56
20, 2σ
50 / 200 cross
Golden
47.10 vs 42.64
Trend bias
Above 200
+12.12%
Risk profile
Beta vs SPY
0.57
Less volatile than market
Correlation to SPY
0.32
Loosely linked
Realised vol 30D
16.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-14.1%
Peak to trough
Max drawdown 5Y
-40.6%
Peak to trough
ATR 14
0.69
1.43% of price
Beta (reported)
0.73
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.20
Positioning, not flow
Max pain
45.00
-5.9% from spot
ATM implied vol
25.5%
Nearest strike to spot
Skew (10% OTM)
+23.8%
Puts bid over calls
Call volume
1
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
45.00
4 contracts
Heaviest put OI
50.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
3 Inflated Stocks We Find Risky
StockStory · 5d ago
Why United Bankshares (UBSI) is a Great Dividend Stock Right Now
Zacks · 9d ago
1 Unpopular Stock That Deserves Some Love and 2 Facing Headwinds
StockStory · 21d ago
United Bankshares (UBSI) Could Be a Great Choice
Zacks · 25d ago
United Bankshares (UBSI) Upgraded to Buy: Here's Why
Zacks · 26d ago
Raymond James Lifts Price Target on United Bankshares to $52 From $50, Keeps Outperform Rating
MT Newswires · 26d ago
Is United Bankshares (UBSI) Undervalued Following Its Q2 Earnings And Buyback Completion?
Simply Wall St. · 29d ago
United Bankshares (NASDAQ:UBSI) Surprises With Q2 CY2026 Sales
StockStory · 30d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.