United Bankshares (UBSI)
Operates United Bank across Mid-Atlantic and Southeast community-banking markets.
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Gathers deposits and earns interest from commercial, real-estate, mortgage, and consumer lending through United Bank, with fees from treasury, trust, brokerage, asset-management, card, and mortgage services. Operates as one community-banking segment across the Mid-Atlantic and Southeast, with commercial and real-estate credit central to the portfolio.
Runs United Bank as a single community-banking segment, gathering consumer and commercial deposits and making commercial, real-estate, mortgage, and consumer loans. Other services include treasury management, credit cards, trust and investment services, financial planning, brokerage, asset management, and title insurance.
Serves Mid-Atlantic and Southeast markets through branches and digital channels across Washington, D.C. and eight states. The Piedmont acquisition added greater Atlanta; separate mortgage businesses were consolidated into United Bank, and third-party origination ended.
Uses centralized underwriting, portfolio monitoring, and a one-bank structure across these markets. Revenue is driven chiefly by interest earned on loans and securities relative to deposit and funding costs, with fees from banking and investment services. Results depend on deposit pricing, interest-rate spreads, commercial and real-estate credit quality, and banking regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 1, 2026 | Raymond James | Reiterate | Rating: —Target: $49 | Target: $50 |
| Jun 24, 2026 | Hovde Group | Initiate | Rating: —Target: — | Target: $49 |
| Apr 27, 2026 | Raymond James | Target | Target: $44 | Target: $49 |
| Jan 26, 2026 | Piper Sandler | Target | Target: $42.50 | Target: $47 |
| Jan 23, 2026 | Stephens | Target | Target: $39 | Target: $44 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $5.40B · Total debt $799.4M · Total assets $33.75B · Shareholders' equity $5.51B
- Revenue
- $418.2M
- Operating income
- $125.6M
- Net income
- $131.4M
HistoryDividendAnnual yield
| Institutions | 76.01% | 104.74M shares | |
|---|---|---|---|
| 455 holders · as of Jun 30, 2026 | |||
| Insiders | 2.25% | 3.10M shares | |
| 27 holders · as of Sep 2, 2026 | |||
| Other | 21.74% | 29.96M shares | |
| remainder | |||
137.80M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.65% | 20.19M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.27% | 8.64M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.58% | 7.69M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.28% | 7.28M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.53% | 6.25M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 1, 2026 | Mark R. Nesselroad | director | −3,200 | $46.42 |
| Aug 31, 2026 | P. Clinton Winter | director | +609 | |
| Aug 4, 2026 | P. Clinton Winter | director | +51 | |
| Jul 30, 2026 | P. Clinton Winter | director | +158 | |
| Jul 1, 2026 | P. Clinton Winter | director | +470 |
- Atlantic Union Bankshares
Virginia-centered peer in Mid-Atlantic community banking
- F.N.B.
Larger regional peer across Mid-Atlantic and Carolinas banking
- Pinnacle Financial Partners
Large Southeast peer after the Synovus merger
- SouthState
Southeast regional peer in Carolinas, Georgia and Virginia
- WesBanco
West Virginia-based peer in community banking and wealth
- TowneBank
Virginia and Carolinas community-bank competitor
- Ameris Bancorp
Atlanta-based peer in Georgia and Carolinas banking
- United Community Banks
Southeastern community-bank peer in Georgia and Carolinas
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| United Bankshares | $46.90 | +0.30% | $6.44B | 12.8 | 12.5 | 3.6 | +6.0% |
| Atlantic Union Bankshares | $39.05 | +0.40% | $5.52B | 11.6 | 10.1 | 2.5 | −3.5% |
| F.N.B. | $17.79 | −0.67% | $6.38B | 10.7 | 10.0 | 2.4 | +5.6% |
| Pinnacle Financial Partners | $95.91 | −0.61% | $14.57B | 11.9 | 8.9 | 3.0 | +145.2% |
| SouthState | $103.51 | +0.38% | $10.00B | 10.8 | 10.6 | 3.1 | +1.2% |
| WesBanco | $38.79 | −0.81% | $3.75B | 11.0 | 10.6 | 2.5 | +6.3% |
| TowneBank | $36.77 | +0.18% | $3.38B | 10.3 | 11.1 | 2.6 | +18.5% |
| Ameris Bancorp | $83.41 | +0.49% | $5.59B | 15.0 | 12.3 | 3.3 | +5.5% |
| United Community Banks | $34.57 | −0.06% | $4.14B | 11.3 | 11.0 | 2.7 | +9.8% |
| Median | 11.2 | 10.6 | 2.6 | +5.9% |