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United Bankshares Inc (UBSI) — chart, structure and Closelooknet read

The Closelooknet read

United Bankshares runs a commercial and retail bank through its subsidiaries, taking deposits and savings accounts and lending to small and mid-size businesses, dealers and merchants, alongside mortgage, construction and consumer loans. It also offers credit cards, trust and asset-management services, brokerage and fiduciary work, and standard digital and branch banking channels.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for UBSI, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 45/100 · S&P 500 fund at 49, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-03
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 76th percentile of the window, -20.6% over 20 sessions. Factor regime → 2026-11-02
  • Sector × region Financials in US: +2.3% week · +6.1% month · −1.0% quarter · +9.8% yearThe Sector Engine cell this name lives in, from XLF.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-03
  • Sovereign pressure Index -1.63 · down 2.22 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-02
How it trades on rate days beta 0.34 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How UBSI has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.34 — tends to move with bonds for every 1% move in TLT (20+ year Treasuries), United Bankshares Inc moved 0.34% on average · correlation 0.16 · higher than 25% of US names
  • Beta, last 3 months 0.34 about the same as over the year
  • On the 10 worst bond days −0.19% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +0.67% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · US · 8 names with week and year-to-date

Peer group

Banks - Regional · US

Names in the same industry from the Closelooknet universe; scored names rank on their Closelooknet score, the rest on trend state.

Compared against UBSI on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — United Bankshares Inc

UBSI in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
United Bankshares runs a commercial and retail bank through its subsidiaries, taking deposits and savings accounts and lending to small and mid-size businesses, dealers and merchants, alongside mortgage, construction and consumer loans. It also offers credit cards, trust and asset-management services, brokerage and fiduciary work, and standard digital and branch banking channels. It is headquartered in Charleston, West Virginia, and has traded publicly since 1990.
Where it sits in the stack
United Bankshares carries no seat in our index and sits outside the AI build-out stack the diary tracks under Rubin; it belongs to the regional banking sleeve of our wider coverage, alongside other US bank holding companies we follow for context rather than for build-out exposure.
Who it is priced against
The diary holds no peer group for United Bankshares; the market usually places regional bank holding companies of this size alongside names such as WesBanco.
Why Closelooknet tracks it
United Bankshares holds no index seat, carries no Closelooknet score, and has not appeared in the diary's editions or quotes; it is followed only within our broader banking coverage, separate from the AI-linked names we score and quote.
What the diary watches
The diary watches whether the shares hold above the 200-day trend as the price sits closer to that support than to its recent high.

United Bankshares Inc (UBSI) trades on US exchanges, classified under Financial Services.

The Closelooknet company score reads 58/100 composite (momentum 71, quality 67, valuation 58) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 1 analyst action on the wire · latest: price target by Piper Sandler, 2026-10-26

The Street on this name

Analyst actions and the latest print for UBSI from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Piper Sandler — target 54 from 51 Target raised to $54 from $51 (+11% to spot) 2026-10-26

1 action on the analyst wire since 2026-08-13: 1 target change. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 3.08%, quarterly · buybacks 127 m USD in FY2025

Dividends and capital return

What UBSI pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 1.52 USD per share · a 3.08% yield on the 2026-11-02 close 4 distributions, paid quarterly 2026-11-02
  • Change on the year +37.0% against the prior twelve months prior twelve months 1.11 USD per share
  • Last distribution 0.38 USD per share as the price series records it, within days of the ex-date 2026-09-11
  • By calendar year 2025: 1.49 USD (partial) · 2026: 1.14 USD to date first distribution recorded in the three-year window: 2025-03-14
  • Dividends paid, FY2025 209 m USD 33% of earnings
  • Buybacks, FY2025 127 m USD 1.9% of today's market value
  • Share count +4.0% in FY2025 13 m USD of stock-based compensation in the year
  • Capital returned 336 m USD · 70% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-03

Quick answers

What is United Bankshares Inc (UBSI)?

United Bankshares Inc trades as UBSI on the US exchange (US) and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-11-03.

Is UBSI in a Closelooknet index?

Not currently — United Bankshares Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-03.

What is United Bankshares Inc's Closelooknet composite score?

58 out of 100, with momentum 71, quality 67 and valuation 58 sub-scores, as of 2026-11-03. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does UBSI trade against its moving averages?

United Bankshares Inc trades 4.9% above its 50-day and 10.6% above its 200-day moving average (4.6% above its 20-day). As of 2026-11-02 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does United Bankshares Inc compare with its peers?

Against its peer group (Banks - Regional · US), United Bankshares Inc (UBSI) sits 0.6% below its 52-week high, 4.9% above its 50-day average; Grupo Cibest S.A. (CIB) is 12.8% below, Preferred Bank (PFBC) is 3.3% below, Mizuho Financial Group Inc. (MFG) is 16.4% below, as of 2026-11-02. Put any of them next to UBSI in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does United Bankshares Inc trade when bond yields rise?

Over the past year United Bankshares Inc had a beta of 0.34 to TLT, the long-dated Treasury fund — it tends to move with bonds, higher than 25% of US names. On the 10 sessions in which long bonds fell most it moved −0.19% on average, against −0.74% for the S&P 500. As of 2026-11-02; The "How it trades on rate days" block on this page carries the lines.

What does United Bankshares Inc do?

United Bankshares runs a commercial and retail bank through its subsidiaries, taking deposits and savings accounts and lending to small and mid-size businesses, dealers and merchants, alongside mortgage, construction and consumer loans. It also offers credit cards, trust and asset-management services, brokerage and fiduciary work, and standard digital and branch banking channels. It is headquartered in Charleston, West Virginia, and has traded publicly since 1990. The diary holds no peer group for United Bankshares; the market usually places regional bank holding companies of this size alongside names such as WesBanco. (Company snapshot of 2026-09-17.)

Where does United Bankshares Inc sit in the AI build-out?

United Bankshares carries no seat in our index and sits outside the AI build-out stack the diary tracks under Rubin; it belongs to the regional banking sleeve of our wider coverage, alongside other US bank holding companies we follow for context rather than for build-out exposure. United Bankshares holds no index seat, carries no Closelooknet score, and has not appeared in the diary's editions or quotes; it is followed only within our broader banking coverage, separate from the AI-linked names we score and quote. (Company snapshot of 2026-09-17.)

Does United Bankshares Inc pay a dividend?

United Bankshares Inc has paid 1.52 USD per share over the last twelve months, paid quarterly, a trailing yield of 3.08% on the 2026-11-02 close; the last distribution recorded in the price series was 0.38 USD on 2026-09-11. In fiscal 2025 the company paid 209 m USD in dividends and bought back 127 m USD of its own shares, 70% of that year’s free cash flow. The share count rose 4.0% over the fiscal year. As of 2026-11-02; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on United Bankshares Inc recently?

The most recent analyst action on United Bankshares Inc on the Closelooknet wire is a price target by Piper Sandler on 2026-10-26 (target 54 from 51). 1 action on the analyst wire since 2026-08-13: 1 target change. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for UBSI, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.