United Bankshares (UBSI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$47.83+0.50%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · UBSI
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks UBSI against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue growing net interest income through loan growth and deposit cost management.
Stated as a priority in 4 quarters from 2025-Q1 through 2026-Q2. Net interest income grew 6% in the first half of 2026 compared to the first half of 2025, reaching $285.3 million in 2026-Q2, up 1% from 2026-Q1. The trajectory matches management's stated focus on continued growth and deposit cost management, delivering consistent increases in net interest income.
“Net interest income for the second quarter of 2026 was $285.3 million, up 1% from first quarter.”
“Net interest income for the first quarter of 2026 was $282.5 million, down 2% from fourth quarter 2025.”
“Net interest income for the third quarter of 2025 was a record $280.1 million, up 2% from second quarter.”
“Net interest income for the first quarter of 2025 increased 9% from prior year quarter.”
Control provision for credit losses to maintain asset quality and credit risk discipline.
Management stated this priority in 4 quarters from 2025-Q1 through 2026-Q2. The provision for credit losses declined from $7.8 million in 2026-Q1 to $5.0 million in 2026-Q2, indicating progress in managing credit risk. The trajectory shows disciplined control of provision expense consistent with management's stated focus.
Continue disciplined capital management including share repurchases and dividend payments.
Management stated this priority in 3 disclosures including 2026-Q1, 2026-Q2, and a 2026-08-24 event. The company repurchased approximately 3.2 million shares in the first half of 2026 and announced a new plan to repurchase up to 6.8 million shares. A third quarter dividend of $0.38 per share was declared. The trajectory shows continued disciplined capital allocation consistent with management's stated priorities.
“During the second quarter of 2026, United repurchased approximately 1.5 million shares under a prior plan.”
Over the trailing year it converted 1.52x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
6 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“Provision for credit losses for the second quarter of 2026 was $5.0 million.”
“Provision for credit losses for the first quarter of 2026 was $7.8 million.”
“Provision for credit losses was $12.1 million for the third quarter of 2025.”
“Provision for credit losses was $29.1 million for the first quarter of 2025.”
“During the first quarter of 2026, United repurchased approximately 1.7 million shares under a prior plan.”