What is United Bankshares, Inc.'s (UBSI) StockRank?

MoatMap's StockRank for United Bankshares, Inc. (UBSI) is 69/100, with a Buy signal. This is a composite score combining Quality (44), Value (38), and Momentum (74) factor ranks across MoatMap's 19,000+ stock universe.

Does United Bankshares, Inc. have an economic moat?

United Bankshares, Inc. (UBSI) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is United Bankshares, Inc. a buy, hold, or sell?

MoatMap's current signal for United Bankshares, Inc. (UBSI) is Buy, based on a StockRank of 69/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is United Bankshares, Inc. in?

United Bankshares, Inc. (UBSI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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UBSI

BUYREMOVE

United Bankshares, Inc. · Financial Services · United States · $6.0B · Avg Vol: $35M/d

StockRank

P/E (TTM)

12.8x

ROE

9.3%

D/E

—

Dividend %

3.3%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

United Bankshares is a regional bank with concentrated exposure to mid-Atlantic real estate. It lacks any asymmetric macro tailwinds or unique competitive advantages to warrant a spot in our concentrated book.

COMPANY DESCRIPTION

United Bankshares, Inc. is a bank holding company operating through its subsidiaries, providing a full range of commercial and retail banking services in the Mid-Atlantic and Southeast regions of the United States. Its competitive moat is derived from its strong balance sheet, long-standing customer relationships, and strategic acquisitions that expand its geographic footprint and market share in attractive banking markets.

FINANCIAL SUMMARY

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	1.0B	1.0B	1.0B	1.2B	5.9%
EPS	2.84	2.81	2.72	2.76	—	-0.9%
Shares	—	142M	142M	143M	151M	+6.2%
Debt	—	2.3B	1.9B	627M	627M	-34.9%
Equity	—	4.5B	4.8B	5.0B	5.5B	6.8%
Op CF	—	761M	435M	445M	499M	-13.1%
Inv CF	—	-3.4B	39M	571M	-899M	—
Fin CF	—	105M	-52M	-324M	650M	—

PRICE (1M)+4.5%

SMA 50SMA 200

$45.65

RSI (14)

68.8

52W High

$45.65

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.5%*52.9

ROE

9.3%45.0

GP/Assets

3.7%42.2

Op. Margin

52.1%75.3

FCF/Assets

—N/A

Piotroski

—67.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.8x50.9

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.2x45.7

P/S

5.1x27.5

Div Yield

3.3%54.6

Momentum

52W High %

100%99.5

RS 6M

11%80.6

SMA 50/200

1.09x75.0

EPS Rev 4W

—N/A

EPS Rev 12W

+1.2%64.7

EPS Improve

+6%27.4

Q Growth

47%73.7

FUNDAMENTALS

Market Cap

$6.0B

P/E (Forward)

12.0x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UBSI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
UBSI	United Bankshares, Inc.(you)	$6.0B	69	BUY
ASB	Associated Banc-Corp	$5.3B	64	HOLD
VLY	Valley National Bancorp	$7.6B	72	BUY
FULT	Fulton Financial Corporation	$4.1B	67	BUY
OZK	Bank OZK	$5.3B	62	HOLD
COLB	Columbia Banking System, Inc.	$8.6B	67	BUY
CATY	Cathay General Bancorp	$3.8B	70	BUY
UMBF	UMB Financial Corporation	$10.0B	69	BUY
ZION	Zions Bancorporation, National Association	$9.2B	67	BUY
ABCB	Ameris Bancorp	$5.7B	57	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

United Bankshares, Inc. (UBSI) — Stock Score Summary

United Bankshares, Inc. (UBSI) has a MoatMap StockRank of 69/100 based on Quality (44/100), Value (38/100), and Momentum (74/100) factor scores. The current signal is BUY. United Bankshares is a regional bank with concentrated exposure to mid-Atlantic real estate. It lacks any asymmetric macro tailwinds or unique competitive advantages to warrant a spot in our concentrated book.

Key Financial Metrics

Price	$45.65
Market Cap	$6.0B
P/E (TTM)	12.79
P/E (Forward)	12.03
Price/Book	1.16
Return on Equity	9.3%
Gross Margin	0.0%
Operating Margin	52.1%
Revenue Growth	10.6%
Dividend Yield	3.3%

United Bankshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is United Bankshares, Inc.’s (UBSI) StockRank?: MoatMap’s StockRank for United Bankshares, Inc. (UBSI) is 69/100, with a Buy signal. It is a composite of Quality (44), Value (38), and Momentum (74) factor ranks across MoatMap’s 19,000+ stock universe.
Does United Bankshares, Inc. have an economic moat?: United Bankshares, Inc. (UBSI) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is United Bankshares, Inc. a buy, hold, or sell?: MoatMap’s current signal for United Bankshares, Inc. (UBSI) is Buy, based on a StockRank of 69/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is United Bankshares, Inc. in?: United Bankshares, Inc. (UBSI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).