United Bankshares (UBSI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$48.39-1.71%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 | 3.6% |
| Our one-year growth estimate | diamond | -17.3% |
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.
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 2026-11-05.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 20.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
UBSI — earnings in line
Dated 2026-10-22
Results of Operations and Financial Condition On October 22, 2026 United Bankshares, Inc. (“United”) announced its financial results for the third quarter and first nine months of 2026. A copy of the press release is attached as Exhibit 99.1 to this report. The press release is being furnished under
Why it matters: Loan growth helped lift net interest income. Deposits also grew, so the next report can show whether loans keep pace.
Watch forAverage net loans grow at least 4% year over year in Q4, matching or topping the recent pace.
Also watch forAverage net loans grow less than 3% year over year. Average interest-bearing deposits grow at least 3%.
Why it matters: Net interest income rose 5% year over year, and the margin reached 3.86%. A sustained gain would support earnings growth.
Supportive ifQ4 net interest margin is at least 3.86%, with net interest income above the Q4 2025 level.
Worry ifQ4 net interest margin falls below 3.80%, or net interest income drops year over year.
Why it matters: Net charge-offs rose to $11.6 million in Q3. Much of that came from one loan that was fully reserved before the charge-off.
Worry ifQ4 net charge-offs exceed $11.6 million, or new loan losses drive a higher credit provision.
Less concerning ifQ4 net charge-offs fall below $11.6 million and the credit provision stays near or below $6.2 million.
Why it matters: Costs rose 7% year over year in Q3, including higher pay and loan commitment reserves. Faster cost growth could weigh on earnings.
Worry ifQ4 noninterest expense grows more than 5% year over year while net interest income grows 5% or less.
Less concerning ifQ4 noninterest expense rises 5% or less. Net interest income grows faster than expenses.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$79 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $178 loss on $10,000 · 1.8% | 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.