UBSI Stock Analysis — United Bankshares, Inc.
Sector: Financials
AI Verdict
UBSI trades at 12x next year's earnings with 9.3% EPS growth expected—cheap for a regional bank with sticky deposits, but the moat is only as strong as local economic conditions.
Competitive Moat
UBSI operates as a regional bank with a dense branch network across the Mid-Atlantic and Southeast, giving it sticky local deposit bases and relationship-driven lending. Its defensibility comes from entrenched customer relationships and regulatory barriers that make it hard for new entrants to scale quickly.
Summary
UBSI's 12.0x forward P/E and 9.3% expected EPS growth make it one of the cheaper regional banks relative to its recent 50.6% revenue growth.
Where It Stands
UBSI trades at 12.0x forward earnings, a discount to the financial sector median of 14x, while analysts expect 9.3% EPS growth and the company just posted 50.6% revenue growth.
Key Metrics
- Trailing P/E: 13.1x
- Forward P/E: 12.0x
- PEG Ratio: 1.41
- Earnings Growth: +0.1%
- Revenue Growth: +0.5%
- Dividend Yield: 0.04%
- 52-Week High: $45.93
- 52-Week Low: $34.10
Analyst Consensus
7 Buy · 4 Hold · 0 Sell (11 analysts)
Bull Case
With a 12.0x forward P/E and 9.3% EPS growth expected, UBSI offers a lower price for growth than most peers, especially after a 50.6% revenue surge.
Bear Case
At a 1.41 PEG, you're paying a fair price for the growth, but if the P/E drops just to the sector median of 14x, upside is capped and any RSI pullback could erase recent gains.
Catalyst to Watch
Quarterly loan growth and credit quality metrics—if NIM or credit losses surprise, it could quickly shift the earnings outlook.