United Bankshares (UBSI) Stock: Buy, Sell, or Hold?
UBSI - United Bankshares Inc
$47.22
-0.11 (-0.23%)
▼
5d:
-0.78%
30d:
-3.44%
90d:
+4.98%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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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
$55.99
Based on 4.4% avg growth
INTRINSIC VALUE TODAY
$34.76
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 11.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBSI is currently trading at $47.22, which is considered slightly low relative to its 30-day fair value range of $47.17 to $48.64. The stock's valuation (Forward PE: 12.2) is in line with its historical norms (11.7). 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 strong uptrend. The price is currently testing key support at $46.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UBSI scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UBSI is in a strong uptrend. The price is currently testing key support at $46.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UBSI scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$47.17 -
$48.64
Company Quality Score
68/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
86.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($50.33)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$47.17 -
$48.64
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$46.32
Resistance Level
$48.03
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.24
Wall Street Target
$50.33
(+6.6%)
Revenue Growth (YoY)
6.2%
Earnings Growth (YoY)
12.2%
Profit Margin
41.2%
Valuation Premium vs History
+1.6% premium
PE vs Historical
12.2 vs 11.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$47.98
(+2%)
2-Year Target
$48.74
(+3%)
3-Year Target
$49.52
(+5%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
PE COMPRESSION
$47.34
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 4.8%)
$89.45
(+89%)
Base:
(SPY PE: 12.2, Growth: 4.8%)
$54.28
(+15%)
Bear:
(PE: 10.4, Growth: 4.8%)
$46.13
(-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: 12.76 | Current EPS (TTM): $3.71
Bull Case
$54.14
(+15%)
Analyst growth 4.0%, PE expands to 14.0
Base Case
$49.22
(+4%)
Market implied 4.0%, PE stable at 12.8
Bear Case
$32.18
(-32%)
Severe decline -20.0%, PE contracts to 10.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 9:18 AM ET
Data refreshes hourly during market hours. Next update: 10:18 AM
Data refreshes hourly during market hours. Next update: 10:18 AM
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Technical Signals Check
Is UBSI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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