NASDAQ · STOCK
United Bankshares
$47.17
52W $34.10 – $48.22
69/100
—
13.3
0.73
Explore UBSI Further
Is UBSI Bullish or Bearish?
Bullish.
Innellis AI committee rates United Bankshares (UBSI) Buy with a composite score of 69/100
, based on 7 analysts with 86% agreement.
Last updated July 20, 2026.
Executive Summary
The primary driver is revenue growing 50.6% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2975.52). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
Bear Case
Insufficient data for bear case.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
69/100
Agreement
86%
Analysts
7
Conviction
High
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.0 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 50.6% YoY -- genuine top-line momentum
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.09) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 68.7 to 68.7.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
66.6
Neutral
MACD Histogram
0.092
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.93
Inside Bands
Price vs Moving Averages
EMA 9
$46.76
Above
EMA 21
$46.07
Above
EMA 50
$44.95
Above
EMA 200
$41.88
Above
Fundamental Analysis
Valuation
100
Growth
76
Profitability
0
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
13.3×
P/B Ratio
1.21×
PEG Ratio
0.41
Dividend Yield
0.03%
52W High
$48.22
52W Low
$34.10
Quality & Growth
ROE
8.5%
ROA
1.4%
Gross Margin
67.3%
Operating Margin
34.8%
Revenue Growth YoY
—
Debt / Equity
0.14
AI Fundamental Assessment
P/E ratio of 13.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.7%; Current ratio of 33.20 (healthy short-term liquidity); Debt-to-equity of 0.14; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (3.78); Most recent quarter beat estimates by 2.7%; 4 consecutive earnings beats; EPS growth roughly steady (-1.1% -> -2.2% QoQ); Analyst estimates rising over recent quarters
Key Risks
Risk data not available for UBSI.
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