UBSI Stock Analysis: Buy, Sell, or Hold?
UBSI - United Bankshares Inc
$48.91
0.46 (0.95%)
▲
5d:
+2.02%
30d:
+5.45%
90d:
+11.97%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 22, 2026
Get Alerted When UBSI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: UBSI is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: UBSI is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$54.77
Based on 4.3% avg growth
INTRINSIC VALUE TODAY
$34.01
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 $48.91, which is considered extended relative to its 30-day fair value range of $46.00 to $48.14. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.7) compared to its historical average (11.5). At these levels, the market is pricing in 3.2% 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 strong uptrend. The price is approaching resistance at $49.27. 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. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, UBSI is in a strong uptrend. The price is approaching resistance at $49.27. 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. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$46.00 -
$48.14
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($50.00)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$46.00 -
$48.14
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$46.24
Resistance Level
$49.27
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.68
Wall Street Target
$50.00
(+2.2%)
Revenue Growth (YoY)
6.2%
Earnings Growth (YoY)
12.2%
Profit Margin
41.2%
Valuation Premium vs History
+3.2% premium
PE vs Historical
12.7 vs 11.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$50.48
(+3%)
2-Year Target
$52.09
(+7%)
3-Year Target
$53.76
(+10%)
3-Yr Target (if PE normalizes)
(PE: 13→12)
PE COMPRESSION
$48.77
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 4.6%)
$91.56
(+87%)
Base:
(SPY PE: 12.7, Growth: 4.6%)
$55.99
(+15%)
Bear:
(PE: 10.8, Growth: 4.6%)
$47.59
(-3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.24 | Current EPS (TTM): $3.66
Bull Case
$56.18
(+15%)
Analyst growth 5.4%, PE expands to 14.6
Base Case
$51.08
(+4%)
Market implied 5.4%, PE stable at 13.2
Bear Case
$32.95
(-33%)
Severe decline -20.0%, PE contracts to 11.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 04, 2026 3:51 AM ET
Data refreshes hourly during market hours. Next update: 4:51 AM
Data refreshes hourly during market hours. Next update: 4:51 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is UBSI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$81 | 56 HOLD |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 57 HOLD |
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 50 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$92 | 56 HOLD |
|
WTFC
Wintrust Financial Corpo… |
STRONG BUY
13 analysts |
$180 | 54 HOLD |
