UBSI Stock Analysis: Buy, Sell, or Hold?
UBSI - United Bankshares Inc
$46.19
0.04 (0.09%)
▲
5d:
+0.11%
30d:
+2.69%
90d:
+5.05%
BUY
MODERATE Confidence
Analysis Updated: Jul 14, 2026 12:00 AM ET
Earnings: Jul 23, 2026
7d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: UBSI shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: UBSI shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.34
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$34.36
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBSI is currently trading at $46.19, which is considered slightly high relative to its 30-day fair value range of $44.60 to $46.28. The stock's valuation (Forward PE: 12.1) is in line with its historical norms (11.5). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UBSI is in a uptrend. The price is approaching resistance at $44.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UBSI is in a uptrend. The price is approaching resistance at $44.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$44.60 -
$46.28
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($48.00)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$44.60 -
$46.28
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$42.22
Resistance Level
$44.95
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.13
Wall Street Target
$48.00
(+3.9%)
Revenue Growth (YoY)
10.6%
Earnings Growth (YoY)
50.6%
Profit Margin
41.0%
Valuation Premium vs History
+1.9% premium
PE vs Historical
12.1 vs 11.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$47.07
(+2%)
2-Year Target
$47.96
(+4%)
3-Year Target
$48.87
(+6%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
PE COMPRESSION
$46.32
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 5.6%)
$97.62
(+111%)
Base:
(SPY PE: 12.1, Growth: 5.6%)
$54.38
(+18%)
Bear:
(PE: 10.3, Growth: 5.6%)
$46.23
(+0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 12.92 | Current EPS (TTM): $3.57
Bull Case
$54.08
(+17%)
Analyst growth 6.6%, PE expands to 14.2
Base Case
$49.17
(+6%)
Market implied 6.6%, PE stable at 12.9
Bear Case
$31.35
(-32%)
Severe decline -20.0%, PE contracts to 11.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 11:11 PM ET
Data refreshes hourly during market hours. Next update: 12:11 AM
Data refreshes hourly during market hours. Next update: 12:11 AM
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Technical Signals Check
Is UBSI showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Lacy I Rice III
BUY
101 shares
2026-01-28
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