United Bankshares, Inc. (UBSI) Stock Price & How to Invest
Last updated July 2026
Short answer
You can invest in United Bankshares (UBSI) by buying shares or fractional shares at any major broker, through a regional-bank or dividend-focused ETF that holds it, or as one holding in a thematic basket. UBSI is a mid-cap regional bank holding company, dual-headquartered in Charleston, West Virginia and Fairfax, Virginia, that operates United Bank across the Mid-Atlantic and Southeast and is best known for a 52-year streak of consecutive dividend increases.
UBSI stock price
As of 2026-07-16, United Bankshares, Inc. (UBSI) last closed at $48.22, up 28.6% over the past year. Over the past 52 weeks it has traded between $34.31 and $48.22.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or United Bankshares, Inc.'s investor relations page. Walnut is informational, not investment advice.
What does United Bankshares, Inc. (UBSI) do?
United Bankshares, Inc. (NASDAQ: UBSI) is a bank holding company that operates through its subsidiary United Bank, with dual headquarters in Charleston, West Virginia and Fairfax, Virginia. It serves customers across West Virginia, Virginia, the District of Columbia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, and Georgia, and it is the largest bank headquartered in West Virginia. The company makes money primarily from net interest income (the spread between what it earns on loans and securities and what it pays on deposits) plus noninterest fee income from services like mortgage banking, wealth management, and deposit accounts. As of December 31, 2025, total assets were about $33.66 billion, up roughly 12% year over year.
United Bankshares has grown steadily through a long history of acquisitions, having completed its 34th deal when it closed the Piedmont Bancorp merger (about $2.4 billion in assets, in the Atlanta metro area) in January 2025. In full-year 2025 the company reported record earnings of about $464.6 million, or $3.27 per diluted share, and it raised its dividend for the 52nd consecutive year. As a mid-cap regional bank, UBSI trades as a value-oriented, income-paying stock whose results move with the interest-rate cycle, loan demand and credit quality in its Mid-Atlantic and Southeast markets, and its continued ability to buy and integrate smaller banks.
What's driving United Bankshares, Inc. (UBSI)?
1. Long dividend-growth streak and income profile.
United Bankshares raised its dividend for the 52nd consecutive year in 2025, one of the longest streaks of any U.S. bank, paying about $1.49 per share for the year and a $0.38 quarterly rate into 2026. The yield has run around 3.4%, which anchors much of the total-return case in income rather than rapid growth. That consistency reflects a conservative payout philosophy and steady community-banking cash flows.
2. Acquisition-driven growth engine.
The company has completed more than 30 acquisitions over its history, most recently closing the Piedmont Bancorp merger (about $2.4 billion in assets) in January 2025, which pushed total assets to roughly $33.66 billion. This roll-up strategy has expanded United into the faster-growing Atlanta and Carolina markets beyond its Appalachian base. Continued disciplined dealmaking is a central lever for adding scale, deposits, and geographic reach.
3. Improving credit costs and margin.
In the first quarter of 2026, net income rose to about $124.2 million ($0.89 per diluted share) from about $84.3 million a year earlier, helped by a sharp drop in the provision for credit losses to about $7.8 million from $29.1 million. The net interest margin held around 3.80%, and return on average assets was about 1.49%. Stable credit quality and a healthy margin support earnings power if conditions hold.
4. Conservative balance sheet and regional franchise.
United Bank holds a leading deposit position in West Virginia and a diversified footprint across the Mid-Atlantic and Southeast, giving it a stable, low-cost deposit base. Management has historically emphasized underwriting discipline and capital strength over aggressive growth. That conservatism tends to make UBSI a lower-volatility way to hold regional-bank exposure, though it also caps how fast the franchise compounds.
What are the risks to United Bankshares, Inc. (UBSI)?
As a bank, United Bankshares is highly sensitive to interest rates: net interest income is its largest revenue line, so shifts in the rate environment and deposit repricing can compress or expand margins. It is exposed to the regional credit cycle, where a recession, rising unemployment, or stress in commercial real estate in its markets would increase loan losses. Its growth depends heavily on acquisitions, which carry integration, overpayment, and execution risk, and a slower deal pipeline would blunt one of its main growth levers. The company is geographically concentrated in the Appalachian, Mid-Atlantic, and Southeast regions, so local economic weakness has an outsized effect, and it faces intense competition from much larger banks like Truist and from other regionals. Broader risks include regulatory and compliance costs, deposit-flight dynamics that pressured regional banks in 2023, and macro uncertainty that could weigh on loan demand and securities values.
How is United Bankshares, Inc. (UBSI) valued? (approximate, July 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see United Bankshares, Inc.'s investor relations page or your broker.
- Total Assets (Dec 2025): ~$33.66 billion (up ~12%)
- Full-Year 2025 Net Income: ~$464.6 million (record)
- Full-Year 2025 Diluted EPS: ~$3.27
- Q1 2026 Net Income / EPS: ~$124.2 million / $0.89 (up from $0.59)
- Q1 2026 Net Interest Margin: ~3.80%
- Dividend Yield: ~3.4%, quarterly ($0.38/share); 52nd straight annual increase
- P/E Ratio: ~12-13x
- Market Capitalization: ~$6.0-6.4 billion (mid-2026)
United Bankshares trades like a typical value-oriented regional bank, at a low-teens price-to-earnings multiple with a dividend yield above 3%. Record 2025 earnings and a strong first quarter of 2026, aided by lower credit-loss provisions, lifted profitability, while return on average equity in the 9% range remains modest versus higher-return peers. Figures are approximate as of July 2026 and move with the stock price and the interest-rate and credit environment.
Who competes with United Bankshares, Inc. (UBSI)?
Large regional and super-regional banks
Truist Financial is the single largest competitor in United's core Virginia and Carolina markets, and other large regionals such as PNC and Fifth Third compete for commercial and retail customers across its footprint. These players bring bigger marketing budgets and more advanced digital platforms, pressuring United on convenience and pricing.
Mid-cap community and regional banks
Peers of similar size and strategy include acquisitive regionals like Glacier Bancorp, First Financial Bankshares, First Merchants, and other Appalachian and Southeast community banks. They compete for the same small-business, mortgage, and local-deposit relationships and often for the same acquisition targets.
Nonbank and digital lenders
Credit unions, online-only banks, fintech lenders, and mortgage specialists compete for deposits and loans, frequently offering higher deposit rates or a slicker digital experience. This channel steadily chips away at the low-cost deposit advantage that regional banks like United rely on.
How to invest in United Bankshares, Inc. (UBSI)
There are three common ways to get UBSI exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so UBSI sits alongside other stocks that express the same thesis.
Walnut takes the basket route. Describe a thesis where UBSI fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.
The bottom line on United Bankshares, Inc. (UBSI)
United Bankshares is a conservatively run, acquisition-driven regional bank whose story centers on steady community-banking economics, a record 2025, and one of the longest dividend-growth streaks in U.S. banking, all of which tie its fortunes to interest rates, regional credit conditions, and deal execution.
More on United Bankshares, Inc. (UBSI)
Whether UBSI is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is UBSI a buy?, and where the stock could go from here in the UBSI stock forecast.
For income investors, whether UBSI pays a dividend and how the payout looks is covered in does UBSI pay a dividend?
Build a basket around UBSI with Walnut
Use United Bankshares, Inc. as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
Is UBSI a large bank?
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It is a mid-cap regional bank, not a money-center giant. Total assets were about $33.66 billion at the end of 2025 and its market value was roughly $6 billion in mid-2026, making it the largest bank headquartered in West Virginia but far smaller than nationals like Truist or PNC.
How can I invest in UBSI?
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UBSI trades on the Nasdaq, so you can buy shares or fractional shares through any major brokerage. You can also gain exposure through regional-bank or dividend-focused ETFs that hold it, or by including it as one holding in a thematic basket.
What are the main risks with UBSI?
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As a bank it is sensitive to interest rates, the regional credit cycle, and commercial real estate exposure. Its growth depends on acquisitions, which carry integration risk, and it is geographically concentrated, so local economic weakness and competition from larger banks weigh on results.
Is UBSI a value or growth stock?
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It behaves like a value and income stock. It trades at a low-teens price-to-earnings multiple with a dividend yield above 3%, and its appeal rests on steady payouts and conservative banking rather than rapid earnings growth. Walnut is not an investment adviser, so this is descriptive, not a recommendation.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with United Bankshares, Inc.'s investor relations page or your broker before making investment decisions.