Stocktoria
UNITED BANKSHARES INC/WV UBSI
UNITED BANKSHARES INC/WV (UBSI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 3.28% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-01 | Raymond James | Outperform (main) |
| 2026-06-24 | Hovde Group | Market Perform (init) |
| 2026-01-26 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-01-23 | Stephens & Co. | Equal-Weight (main) |
| 2025-10-24 | Piper Sandler | Overweight (up) |
| 2025-04-28 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UBSI | UNITED BANKSHARES INC/WV | 5/9 | — | 13.7 | -5.7% |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About UNITED BANKSHARES INC/WV
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.
FAQ
Is UBSI financially healthy?
UNITED BANKSHARES INC/WV's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does UBSI pay a dividend, and is it safe?
Yes. UNITED BANKSHARES INC/WV pays a dividend yielding about 3.28% with a 45.0% payout ratio, rated “moderate” for safety.
How profitable is UBSI?
In FY2025, UNITED BANKSHARES INC/WV had a return on equity of 8.5%.
Is UBSI overvalued or undervalued?
UNITED BANKSHARES INC/WV trades at about 15.0× trailing earnings — near its 10-year norm (10-year range 12.5×–23.9×, median 14.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UBSI?
The average Wall-Street price target for UNITED BANKSHARES INC/WV is $47.83, about 2.2% below the recent price, from 6 analysts (consensus: hold).
Is UBSI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITED BANKSHARES INC/WV: a Piotroski F-score of 5/9, a P/E of about 13.7×, a dividend yield of 3.28%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.