UBSI Stock Analysis: Buy, Sell, or Hold?
UBSI - United Bankshares Inc
$41.77
-0.54 (-1.28%)
▼
5d:
-3.78%
30d:
-3.35%
90d:
-5.33%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UBSI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: UBSI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.90
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$33.47
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBSI is currently trading at $41.77, which is considered oversold relative to its 30-day fair value range of $42.75 to $44.10. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 50.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, UBSI is in a uptrend. The price is currently testing key support at $41.43. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $47.40 (+13.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UBSI is in a uptrend. The price is currently testing key support at $41.43. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $47.40 (+13.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$42.75 -
$44.10
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($47.40)
Trading Range Analysis
30-Day Trading Range
$42.75 -
$44.10
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$41.43
Resistance Level
$44.25
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.01
Wall Street Target
$47.40
(+13.5%)
Revenue Growth (YoY)
18.5%
Earnings Growth (YoY)
50.6%
Profit Margin
40.3%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
11.0 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$41.31
(-1%)
2-Year Target
$40.86
(-2%)
3-Year Target
$40.41
(-3%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$41.84
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 5.0%)
$96.88
(+132%)
Base:
(SPY PE: 11.0, Growth: 5.0%)
$48.33
(+16%)
Bear:
(PE: 9.4, Growth: 5.0%)
$41.08
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.85 | Current EPS (TTM): $3.57
Bull Case
$49.46
(+18%)
Analyst growth 6.3%, PE expands to 13.0
Base Case
$44.96
(+8%)
Market implied 6.3%, PE stable at 11.9
Bear Case
$28.77
(-31%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.0 to 11.4
Stabilization Target:
$43.25
(+3.5%)
PE Expansion Potential:
+3.5%
Share & Embed Analysis
Last updated: May 16, 2026 4:37 AM ET
Data refreshes hourly during market hours. Next update: 5:37 AM
Data refreshes hourly during market hours. Next update: 5:37 AM
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Technical Signals Check
Is UBSI showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Lacy I Rice III
BUY
101 shares
2026-01-28
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