UBSI Stock Analysis: Buy, Sell, or Hold?
UBSI - United Bankshares Inc
$45.68
0.39 (0.86%)
▲
5d:
+1.4%
30d:
+5.59%
90d:
+11.82%
BUY
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Jul 23, 2026
28d
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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 1.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: UBSI shows positive signals but monitor for confirmation. Market pricing in 1.6% 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
$53.90
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$33.47
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 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBSI is currently trading at $45.68, which is considered slightly high relative to its 30-day fair value range of $42.50 to $44.50. The stock's valuation (Forward PE: 11.9) is in line with its historical norms (11.4). At these levels, the market is pricing in 1.6% 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: UBSI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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: UBSI has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$42.50 -
$44.50
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($47.40)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$42.50 -
$44.50
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.)
11.94
Wall Street Target
$47.40
(+4.7%)
Revenue Growth (YoY)
10.6%
Earnings Growth (YoY)
50.6%
Profit Margin
41.0%
Valuation Premium vs History
+1.6% premium
PE vs Historical
11.9 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$46.01
(+2%)
2-Year Target
$46.75
(+3%)
3-Year Target
$47.50
(+5%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$45.36
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 5.0%)
$95.61
(+111%)
Base:
(SPY PE: 11.9, Growth: 5.0%)
$52.40
(+16%)
Bear:
(PE: 10.1, Growth: 5.0%)
$44.54
(-2%)
📈
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: 12.59 | Current EPS (TTM): $3.57
Bull Case
$52.55
(+16%)
Analyst growth 6.3%, PE expands to 13.9
Base Case
$47.77
(+6%)
Market implied 6.3%, PE stable at 12.6
Bear Case
$30.57
(-33%)
Severe decline -20.0%, PE contracts to 10.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 4:18 PM ET
Data refreshes hourly during market hours. Next update: 5:18 PM
Data refreshes hourly during market hours. Next update: 5:18 PM
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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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