Should I Buy UBSI? UBSI 2026 Analysis

Should You Buy United Bankshares Inc (UBSI) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

42.350

1 Day change

1.46%

52 Week Range

43.770

Analysis Updated At

2026/01/26

United Bankshares Inc (UBSI) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company has shown strong financial performance, positive growth trends, and a favorable analyst outlook. While pre-market price is slightly down, the overall trend and financial health support a long-term investment decision.

Technical Analysis

The technical indicators are moderately positive. The MACD is above 0 and positively contracting, indicating bullish momentum. The RSI is neutral at 54.764, and the moving averages are bullish (SMA_5 > SMA_20 > SMA_200). Key support and resistance levels are Pivot: 41.496, R1: 43.079, S1: 39.912, R2: 44.057, S2: 38.934. These suggest the stock is in a stable position with potential for upward movement.

Options Data

Bullish

Open Interest Put-Call Ratio

Neutral

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Record earnings of $464.6 million in 2025, reflecting a 24.5% increase from
Q4 EPS exceeded expectations with a 21.6% YoY revenue growth.
Analyst raised the price target to $44, citing strong EPS performance and above-peer return profile.

Neutral/Negative Catalysts

Pre-market price is down by 0.70%.
Stock trend analysis indicates a slight chance of short-term decline (-0.47% next day, -0.09% next week, -1.03% next month).

Financial Performance

In Q4 2025, United Bankshares reported a 23.36% YoY revenue increase to $302.82 million, a 36.46% YoY net income increase to $128.83 million, and a 30% YoY EPS growth to $0.91. These figures demonstrate strong financial growth and profitability.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Stephens analyst Russell Gunther raised the price target to $44 from $40, maintaining an Equal Weight rating. The analyst highlights strong EPS performance, above-peer return profile, and effective capital allocation through buybacks.

2 Analyst Rating

Wall Street analysts forecast UBSI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UBSI is 41.25 USD with a low forecast of 40 USD and a high forecast of 42.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 41.740

Low

Averages

41.25

High

42.5

Current: 41.740

Low

Averages

41.25

High

42.5

Keefe Bruyette

Catherine Mealor

Market Perform

maintain

$40 -> $43

AI Analysis

2026-01-26

New

Reason

Keefe Bruyette

Catherine Mealor

Price Target

$40 -> $43

AI Analysis

2026-01-26

New

maintain

Market Perform

Reason

Keefe Bruyette analyst Catherine Mealor raised the firm's price target on United Bankshares to $43 from $40 and keeps a Market Perform rating on the shares.

Piper Sandler

Overweight

maintain

$47

2026-01-26

New

Reason

Piper Sandler

Price Target

$47

2026-01-26

New

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on United Bankshares to $47 from $42.50 and keeps an Overweight rating on the shares. The firm notes Q4 results were better than its expectations on stronger net interest income and lower credit costs. While loan growth was weaker than Piper had hoped, overall pipelines sound active and production levels remained robust in the face of higher loan payoffs in the quarter.

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UBSI Should I Buy

UBSI Should I Buy

Should You Buy United Bankshares Inc (UBSI) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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