Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
United Bankshares (UBSI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$48.39-1.71%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.87 → 3.96 EPS · FY ending Dec 31, 2027 · 5 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 5 to 5; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for UBSI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Net interest income reaches at least $1.15 billion in 2026 | Net interest income rises to $1.15 billion in 2026. | Intact | net interest income falls below $1.09 billion in FY26 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional banking business with a steady, execution-led long-term thesis rather than a turnaround or a high-growth story. The thesis is intact, and the signal recently improved from mixed to mildly favorable.
Valuation is tagged as stretched, with UBSI at a modest premium versus peers and expectations somewhat aligned with the business outlook. Fragility is low, so the evidence does not point to concentrated market expectations, but valuation leaves less room for disappointment.
In the near term, loan growth and net interest income are progressing: net interest income rose 5% from the third quarter of 2025, while net interest margin increased to 3.86% from 3.80%. Expense control is less clear, as noninterest expense rose 7%, including higher employee compensation; recent earnings were in line, and the estimated miss risk is low.
Over the next few quarters, the thesis depends on continued loan growth and net interest income progress without expense growth eroding the gains. A guidance cut or Federal Reserve rate cuts would be unfavorable risks, while strength among financial-sector peers could support the sector backdrop.
For the next one to three years, UBSI’s thesis remains intact, with operating progress balanced by mixed expense control and stretched valuation. The main swing factors are execution, interest-rate conditions, and broader financial-sector results. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Provision expenses fall to $36 million, showing good cost control. |
| Under Pressure |
| provision expense rises above $48 million in FY26 |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Total revenue grows at least 5% in 2026 | A primary condition in United Bankshares's published investment case. The stated target is >= 5% YoY. | Under Pressure | revenue growth falls below 0% in FY26 | Revenue: $462.535M FY2026-Q3; GAAP. Published target: >= 5% YoY. Annual target cannot be compared with a quarterly or TTM observation. Oct 22, 2026462,535,000 USD · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.81 → $3.96 · observed estimates
$1.36B → $1.36B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.81 | $1,360,833,330 | 6 / 3 |
| 2026-07-25 | $3.82 | $1,346,700,000 | 6 / 3 |
| 2026-07-26 | $3.82 | $1,346,700,000 | 6 / 3 |
| 2026-07-27 | $3.83 | $1,346,700,000 | 6 / 3 |
| 2026-07-28 | $3.83 | $1,346,700,000 | 6 / 3 |
| 2026-07-29 | $3.83 | $1,347,461,600 | 5 / 2 |
| 2026-07-30 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-07-31 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-01 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-02 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-03 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-04 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-05 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-06 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-08 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-09 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-10 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-12 | $3.86 | $1,343,333,330 | 6 / 3 |
| 2026-08-13 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-14 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-15 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-16 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-17 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-18 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-19 | $3.86 | $1,345,451,200 | 5 / 2 |
| 2026-08-20 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-21 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-22 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-23 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-24 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-25 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-26 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-27 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-28 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-29 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-30 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-08-31 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-01 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-02 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-03 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-04 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-05 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-06 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-07 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-08 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-09 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-10 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-11 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-12 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-13 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-14 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-15 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-16 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-17 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-18 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-19 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-20 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-21 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-22 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-23 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-24 | $3.86 | $1,345,451,200 | 4 / 2 |
| 2026-09-25 | $3.87 | $1,346,966,800 | 5 / 2 |
| 2026-09-26 | $3.87 | $1,346,966,800 | 5 / 2 |
| 2026-09-27 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-09-28 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-09-29 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-09-30 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-01 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-02 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-03 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-04 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-05 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-06 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-07 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-08 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-09 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-10 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-11 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-12 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-13 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-14 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-15 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-16 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-17 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-18 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-19 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-20 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-21 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-22 | $3.87 | $1,346,966,800 | 5 / 3 |
| 2026-10-23 | $3.90 | $1,350,755,400 | 5 / 3 |
| 2026-10-24 | $3.91 | $1,352,795,400 | 5 / 2 |
| 2026-10-25 | $3.91 | $1,352,795,400 | 5 / 2 |
| 2026-10-26 | $3.94 | $1,359,215,400 | 5 / 2 |
| 2026-10-27 | $3.94 | $1,359,215,400 | 5 / 2 |
| 2026-10-28 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-10-29 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-10-30 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-10-31 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-11-01 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-11-02 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-11-03 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-11-04 | $3.96 | $1,362,315,400 | 5 / 2 |
| 2026-11-05 | $3.96 | $1,362,315,400 | 5 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 1 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.