United Bankshares (UBSI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-10-29
$48.71+1.37%
Close 2026-10-29 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-10-29
Research Workspace
Put UBSI beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Total revenue grows at least 5% in 2026: Revenue guidance: $1.15B to $1.16B.
View ThesisRevenue is growing steadily — about 7% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look high — what the market is pricing in runs ahead of what analysts forecast.
View ValuationRelatively steady — typically moves about 1% a day.
View RiskUBSI’s net interest income growth is the central case, supported by steady recent performance. Revenue growth slowed from 9% in Q1 to 4% in Q2, while third-quarter EPS was inline. The case rests on revenue meeting 2026 guidance of $1.15B to $1.16B. UBSI trades at 1.2× P/B versus a 1.2× peer median and its own historical multiple. The market is pricing in more growth than our forecast. The primary pillar is under pressure because the revenue guidance range supports no clear 5% growth. Our model puts the next-quarter miss probability at 19%. Peer multiples imply a price about 4% below where it trades; the thesis is on watch. This read is provisional.
Trailing returns as of 2026-10-29. UBSI is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 6 analysts currently covering UBSI (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| UBSI Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 8 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put UBSI next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Increase net interest income
Record dividends indicate strong net interest income growth.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-29. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Share buyback supports disciplined capital management objective.
Dividend declaration aligns with capital allocation strategy.
Threatens: Increase net interest income
Earnings report suggests potential revenue decline.
