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UBSI Should I Buy

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Intellectia

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

Conclusion
Buy
Latest Price
43.680
1 Day change
-0.30%
52 Week Range
45.920
Analysis Updated At
2026/04/24
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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 stock shows a stable technical trend, positive financial performance, and favorable analyst sentiment, making it a suitable choice for long-term growth.

Technical Analysis

The technical indicators are generally positive. The MACD is above zero and positively contracting, suggesting bullish momentum. The RSI is neutral at 57.802, indicating no overbought or oversold conditions. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the stock is trading near its pivot point of 43.935, with support at 43.217 and resistance at 44.653.

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
4
Buy
7

Positive Catalysts

  • Q1 2026 earnings exceeded expectations with EPS of $0.89, beating estimates by $0.

  • Analysts have raised price targets, with Piper Sandler increasing the target to $47 and maintaining an Overweight rating.

  • Strong financial performance in Q4 2025, with revenue up 23.12% YoY and net income up 36.46% YoY.

Neutral/Negative Catalysts

  • Q1 2026 revenue of $316.58 million fell short of market expectations.

  • Loan growth in Q4 2025 was weaker than anticipated, although pipelines remain active.

Financial Performance

United Bankshares has demonstrated strong financial growth. In Q4 2025, revenue increased by 23.12% YoY, net income grew by 36.46% YoY, and EPS rose by 31.43% YoY. Q1 2026 earnings also exceeded expectations, with net income of $124.2 million and EPS of $0.89.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts are generally positive on UBSI. Keefe Bruyette raised the price target to $43 and maintained a Market Perform rating, while Piper Sandler raised the target to $47 with an Overweight rating, citing better-than-expected Q4 results and robust production levels despite higher loan payoffs.

Wall Street analysts forecast UBSI stock price to fall
2 Analyst Rating
Wall Street analysts forecast UBSI stock price to fall
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 43.810
sliders
Low
40
Averages
41.25
High
42.5
Current: 43.810
sliders
Low
40
Averages
41.25
High
42.5
Keefe Bruyette
Catherine Mealor
Market Perform
maintain
$43 -> $45
AI Analysis
2026-04-28
New
Reason
Keefe Bruyette
Catherine Mealor
Price Target
$43 -> $45
AI Analysis
2026-04-28
New
maintain
Market Perform
Reason
Keefe Bruyette analyst Catherine Mealor raised the firm's price target on United Bankshares to $45 from $43 and keeps a Market Perform rating on the shares.
Raymond James
Outperform
maintain
$47 -> $49
2026-04-27
Reason
Raymond James
Price Target
$47 -> $49
2026-04-27
maintain
Outperform
Reason
Raymond James raised the firm's price target on United Bankshares to $49 from $47 and keeps an Outperform rating on the shares. The beat was driven mainly by balance sheet expansion and lower expenses, with modest loan growth offset by strong pipelines and reiterated mid-single-digit growth guidance for 2026, while accelerating capital returns, solid capital ratios, and a neutral rate positioning support sustained profitability around a 1.5% ROA and continued EPS and valuation tailwinds, the analyst tells investors in a research note.
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