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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -7.0% |
| Our one-year growth estimate | diamond | -16.0% |
Growth built into the price is above our model estimate.
The price assumes 9.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
Review the full earnings evidenceWhy it matters: FOMC decisions on interest rates can change United's net interest income. These changes can also affect loan demand and deposit rates.
Watch forIf the FOMC raises interest rates, it can lead to higher net interest income.
Also watch forIf the FOMC cuts interest rates, it may lower net interest income.
Why it matters: More share buybacks show management's trust in the company's value. This can help the share price.
Supportive ifUnited bought back over 1 million shares in Q3 2026.
Worry ifNo share repurchases occur in Q3 2026.
Why it matters: Net charge-offs indicate how well the bank manages its loan portfolio. A rise could signal increasing risk.
Worry ifNet charge-offs for Q2 2026 are below $6 million.
Less concerning ifNet charge-offs for Q2 2026 exceed $10 million.
Why it matters: A drop below this level may indicate broader economic issues affecting banks. It could impact UBSI's performance.
Worry ifSector revenue growth reported below 10% year over year.
Less concerning ifSector revenue growth remains above 10% year over year.
Why it matters: Share repurchases can signal management's confidence in the bank's value. It can also support earnings per share.
Supportive ifThe bank announced share buybacks for Q3 2026.
Worry ifNo announcements of share repurchases in Q3 2026.
Why it matters: A lower provision expense shows better credit quality. It also shows good cost management. This matches management's goal to control costs.
Supportive ifProvision expense for Q2 is reported below $9 million.
Worry ifProvision expense for Q2 exceeds $9 million.
Why it matters: A drop below 12% signals a slowdown in the financial sector's growth phase. This could impact investor confidence.
Worry ifQ2 revenue growth reported below 12% year over year.
Less concerning ifQ2 revenue growth remains at or above 12% year over year.
Why it matters: Strong growth in noninterest income shows the bank can earn money in different ways. This helps overall earnings.
Supportive ifQ3 noninterest income grows more than 10% from Q2 2026's $38.5 million.
Worry ifQ3 noninterest income growth is less than 10% from Q2 2026.
Why it matters: Continued growth in net interest income shows the bank's ability to manage costs and grow revenue.
Supportive ifQ3 net interest income increases year over year by more than 4%.
Worry ifQ3 net interest income growth is below 2% year over year.
Why it matters: A low provision shows good credit quality. It also means strong risk management.
Supportive ifProvision for credit losses in Q3 is less than $5 million.
Worry ifProvision for credit losses in Q3 exceeds $7 million.
Why it matters: Earnings above this level show strong performance. They also suggest growth.
Supportive ifQ3 earnings exceed $130 million.
Worry ifQ3 earnings fall below $120 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $193 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,373 loss on $10,000 · 13.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.