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
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $48 UBSI trades at 1.2× p/b, below its 1.2× p/b peer median. Our $51 fair value sits above the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $71.99 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $91.67 | — | — | Hist. CAGR | high |
| graham number | 12M | $57.34 | — | — | TTM | high |
| Peer P/B | 12M | $49.38 | 1.2 | 39.81 | TTM | high |
| Peer P/FCF | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
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 long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q3, 2025-Q4, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $44.33 |
| 11.7 |
| 3.80 |
| TTM |
| high |
| Peer P/E | 12M | $41.50 | 10.9 | 3.81 | ntm analyst | high |
| Peer P/S | 12M | $38.70 | 3.2 | 12.25 | TTM | high |
| PEG | 12M | $26.82 | 7.3 | 3.67 | TTM | high |
| residual income | 12M | $40.53 | — | — | TTM | high |
| Own P/E history | 12M | $46.75 | 12.7 | 3.67 | TTM | high |
| triangulated | 12M | $45.23 | 11.9 | 3.79 | Triangulated | high |
| Peer P/B | 3Y | $58.68 | 1.2 | 47.31 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $53.42 | 11.7 | 4.58 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $21.74 | 10.9 | 2.00 | Analyst | medium |
| Peer P/S | 3Y | $12.50 | 3.2 | 3.95 | guidance | medium |
| PEG | 3Y | $14.58 | 7.3 | 2.00 | Analyst | medium |
| Own P/E history | 3Y | $25.42 | 12.7 | 2.00 | Analyst | medium |
| Peer P/B | 5Y | $65.83 | 1.2 | 53.08 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $60.49 | 11.7 | 5.18 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $10.23 | 10.9 | 0.94 | Analyst | high |
| Peer P/S | 5Y | $5.88 | 3.2 | 1.86 | guidance | high |
| PEG | 5Y | $6.86 | 7.3 | 0.94 | Analyst | high |
| Own P/E history | 5Y | $11.96 | 12.7 | 0.94 | Analyst | high |