United Bankshares, Inc.
UBSIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeUnited Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. With a market capitalization of $6.63B, it sits in mid-cap territory. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.
Market Cap
$6.63B
Beta
0.74
P/E (TTM)
13.23
P/E (Fwd)
12.36
EPS (TTM)
$3.68
EPS (Fwd)
$3.94
ROE
9.4%
ROA
1.5%
Cash
$1.88B
Total Debt
$824.7M
Free CF
—
52W Change
33.1%
Annual Financials
Cash vs Debt
Where UBSI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, UBSI finished 3.35% above its 150-day moving average ($44.83) and 5.73% above its 200-day moving average ($43.82). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UBSI overbought or oversold?
At the October 20, 2026 close, UBSI's RSI(14) was 51.6, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
United Bankshares, Inc. holds $1.88B in cash against $824.7M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 9.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $1.04B to $1.24B.
With cash comfortably exceeding debt, UBSI has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing UBSI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.