United Bankshares, Inc. (UBSI) Stock Price & How to Invest

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, and they reached about $34 billion by June 30, 2026, spread across more than 240 offices.

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. 2026 has continued in the same vein. Second-quarter net income was about $131.4 million, or $0.95 per diluted share against a $0.89 consensus, the fourth straight quarter above estimates, and trailing-twelve-month net income reached about $514 million on about $1.25 billion of revenue. In October 2026 the company announced a de novo entry into Florida, a full-service office on Palm Beach Island focused on commercial and private banking and wealth management (subject to regulatory approval), and in September it hired a leader for a government-contracting banking business. Third-quarter results are expected around October 22, 2026, with consensus EPS near $0.93.

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. A new-market push into South Florida adds start-up costs and competition from entrenched private banks, and after a 36% one-year gain the shares sit near the top of their $34.42-$49.62 52-week range.

6 analysts publish price targets on UBSI, averaging $50.33 against a $46.69 price as of October 2026, or +7.8%. The published targets run from $48.00 to $52.00, a narrow spread, and the ratings split 2 buy, 4 hold, 0 sell. Over the last six months there have been 2 raises and 0 cuts among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full UBSI forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on United Bankshares, Inc.. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. 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. The most optimistic published target, $52.00, assumes this works close to its best case.

The case against. 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. The most pessimistic target, $48.00, is roughly what UBSI is worth if this bites instead.

Read the full bull and bear case on UBSI, including what would have to change to break either one. Walnut is not an investment adviser.

No. United Bankshares, Inc. (UBSI) has not split its stock in the last 10 years. That is a statement about the window we check rather than about the company’s entire history, so an older split is possible. It also matters less than it once did: fractional shares mean a high price per share no longer keeps smaller investors out, which removed most of the practical reason to split.

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 (June 2026): ~$34 billion
• Revenue (TTM): ~$1.25 billion; Q2 2026 up ~6% YoY
• Net Income (TTM): ~$514 million; trailing EPS ~$3.67
• Q2 2026 Net Income / EPS: ~$131.4 million / $0.95 (vs $0.89 expected)
• Dividend Yield: ~3.3% ($0.38 quarterly, $1.52 annualized; ~41% payout)
• P/E Ratio: ~12.8x trailing; ~12.1x forward
• Price to Book: ~1.16x
• Market Capitalization: ~$6.4 billion (share price ~$46.78)

United Bankshares trades like a typical value-oriented regional bank, at a low-teens price-to-earnings multiple, about 1.16 times book, with a dividend yield above 3%. The stock has re-rated in 2026 (up about 22% year to date) as earnings beat estimates four quarters running, though the average analyst target near $50 and a hold consensus suggest less room than before. Figures are approximate as of October 2026, and third-quarter results are due around October 22.

If you want UBSI exposure as part of a larger bundle rather than directly, these ETFs hold it meaningfully. Weights are approximate and refresh quarterly.

Other names that sit close to UBSI: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

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 (KRE), which spreads the position across many companies. Or build it into a focused thematic portfolio, so UBSI sits alongside other stocks that express the same thesis.

Walnut takes the portfolio 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.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

United Bankshares is a conservatively run, acquisition-driven regional bank whose story centers on steady community-banking economics, a record 2025 followed by steady 2026 beats, a planned first office in Florida, 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.

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 or a sell?, 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? And to weigh UBSI against a peer, read the full side-by-side comparisons: UBSI vs TFC and UBSI vs PNC.