Fairvalue-Calculator Fairvalue-Calculator
EN DE

United Bankshares, Inc (UBSI) Fair Value & Analysis

Financial Services · US · Market cap $6.0B

Price$45.68
Fair Value$43.83
Upside-4.0%
Quality95/100
Evidence: High Range $32.87 – $54.79

Fair value as of: Jun 25, 2026

Analysis

United Bankshares, Inc (UBSI) currently trades at $45.68, while our model-based Fair Value estimate is $43.83 — implying the stock looks roughly 4.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine ser…

Open the full interactive analysis →

Similar stocks

State Bank of India (SBID) -98% HDFC Bank Limited (HDFCBANK) +77% ICICI Bank Limited (ICICIBANK) +7% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) +31% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100%

Frequently asked questions

Is United Bankshares, Inc (UBSI) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $43.83 versus a price of $45.68 — about −4% (overvalued). Model-based estimate, not financial advice.
What is the fair value of UBSI?
Our 21-model fair value for United Bankshares, Inc is $43.83 (as of Jun 25, 2026), built from audited fundamentals. The current price is $45.68.
What is the quality score of UBSI?
United Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.