United Bankshares, Inc. (UBSI) Stock Score, Valuation & Financial Research
United Bankshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 60/100.
Quick answer for UBSI
United Bankshares, Inc. currently has a Wall Street Score of 60/100. The stored market price is $47.86. Its financial score is 60/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What United Bankshares, Inc. does
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient dig
UBSI financial snapshot
- Wall Street Score:
- 60/100
- Current price:
- $47.86
- Market capitalization:
- $6.60B
- Revenue:
- $1.80B
- Net income:
- $515.2M
- Free cash flow:
- $481.2M
- Cash:
- $2.08B
- Total debt:
- $167.0M
- EPS:
- 3.28
- P/E ratio:
- 14.6x
- Financial score:
- 60/100
- Valuation score:
- 97/100
- Revenue score:
- 29/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $481.2M, showing positive cash generation.
- The balance sheet shows $2.08B of cash versus $167.0M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 60/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research UBSI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.