UBSI United Bankshares · $47.58 Leader · weak fundamentals — higher-risk领先 · 基本面偏弱 — 风险偏高 Terminal终端 ↗

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United Bankshares · Financials

UBSI

$47.58
United Bankshares, Inc. is a bank holding company dual-headquartered in Charleston, West Virginia and Fairfax, Virginia with operations in West Virginia, Virginia, the District of Columbia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, and Georgia in the United States.UnitedBankshares,Inc.是一家银行控股公司，双总部位于西弗吉尼亚州查尔斯顿和弗吉尼亚州费尔法克斯，业务遍及美国西弗吉尼亚州、弗吉尼亚州、哥伦比亚特区、马里兰州、俄亥俄州、宾夕法尼亚州、北卡罗来纳州、南卡罗来纳州和佐治亚州。
Financial金融股 Mid cap中盘 $7B
Engine stance引擎立场2026-07-20
Leader · weak fundamentals — higher-risk领先 · 基本面偏弱 — 风险偏高
The daily turn is already in — a low formed ~20 day(s) ago @ 44.19 and price is back above the 10-day average. What's mi日线转向已经完成——低点于约 20 天前形成 @ 44.19，且价格已重新站上 10 日均线。尚缺的是周线周期的确认，因此这是当下可用的部分信心入场，而非待触发信号：可在此建半仓，或等待周线转向。
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Key Statistics关键统计

Price价格
$47.58
1.3% below 52-week high低于52周高点 1.3%
Market Cap市值
$7B
Normal volume正常成交量
P/E Ratio市盈率
14.3x
15.0x sector median
Beta贝塔
0.64
Moves about 0.6x the market波动幅度约为市场的 0.6 倍
RSI (14)RSI（14）
64
Elevated偏高
Next Earnings下次财报
2026-07-23 (4d)
Volatility Rank波动率分位
28th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
4.2% of float

Performance价格表现

Period周期 UBSI S&P 500vs Index对比指数
1 Week近1周 +3.2% -1.5% Beat the index by 4.7 points跑赢指数 4.7 个百分点
1 Month近1月 +7.7% +0.6% Beat the index by 7.1 points跑赢指数 7.1 个百分点
3 Months近3月 +8.3% +4.7% Beat the index by 3.6 points跑赢指数 3.6 个百分点
6 Months近6月 +17.6% +7.8% Beat the index by 9.8 points跑赢指数 9.8 个百分点
Year to date年初至今 +26.2% +9.1% Beat the index by 17.1 points跑赢指数 17.1 个百分点
1 Year近1年 +31.8% +19.4% Beat the index by 12.4 points跑赢指数 12.4 个百分点
3 Years近3年 +68.9% +69.4% In line with the index与指数基本持平

Technicals技术面

RSI (14)RSI（14） 64 Elevated偏高
vs 50-day相对50日均线 +7.3% vs 50-day avg
vs 200-day相对200日均线 +17.4% vs 200-day avg
Volatility rank波动率分位 28th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$47.19
Don't chase above不追高于
$47.89
Stop止损
$44.19
Cycle turn — awaiting confluence cross周期拐点 — 等待共振交叉确认

Earnings财务业绩

4
days until next report天后公布财报
2026-07-23

Estimates being raised — 4 analysts预期上调 — 4 位分析师

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 UBSI Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 14.28x 14.99
52%
P/B市净率 1.21x 1.52
73%
Earnings yield盈利收益率 7.00% 6.58
54%
Shareholder yield股东收益率 1.91% 3.91
23%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$263.2M
2020
$331.0M
2021
$312.0M
2022
2023
2024
2025
Earnings Per Share每股收益
$2.40
2020
$2.83
2021
$2.80
2022
$2.71
2023
$2.75
2024
$3.27
2025
5yr CAGR5年复合增速: 6.4%
Free Cash Flow自由现金流
$121.4M
2020
$594.2M
2021
$744.0M
2022
$423.6M
2023
$433.3M
2024
$481.2M
2025
Margins利润率
8.5%Return on Equity股本回报率
1.4%Return on Assets资产回报率
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$127.0M
Stock-based comp股权薪酬$13.1M
Share count change (1y)股数变化（1年）-2.6%
Piotroski皮奥特罗斯基 5/5 Clean稳健

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 62% of its sector on blended multiples综合估值倍数低于行业内 62% 的公司
Beta市场敏感度
0.64×
0.21×3×
Moves about 0.6× the market波动幅度约为市场的 0.6 倍
Financial Health财务健康
5/5
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Quiet — no confirmed driver平静 — 无明确驱动
Technical技术面 UBSI took relative-strength leadershipUBSI 取得相对强弱领先

Ownership & Smart Money持仓与聪明钱

Concentrated ownership集中持仓
Fund基金 Grade评级 Activity动作 % of portfolio组合占比 As of截至
Basswood Capital Management B Holding持有 0.5% 2026-03-31

Signal History信号历史

NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP. A new cycle low likely formed 20 day(s) ago (2026-06-17 @ 44.19): swing low in, price back above the 10-day average — but the weekly timeframe hasn't turned yet, so conviction is partial. Last cycle was left-translated (topped early) — a bearish structural tell买入预备。新的周期低点可能已在 20 天前形成 （2026-06-17 @ 44.19）：摆动低点已现，价格重新站上 10 日均线——但周线周期尚未转向，因此信心仅为部分。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
TURN SIGNALED BOTTOMING
Jul 16, 2026
UBSI took relative-strength leadershipUBSI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $48.22.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$48.22。
Jul 16, 2026
UBSI made a new 52-week highUBSI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $48.22.价格创出52周新高 — 全市场关注的动量/趋势极值。$48.22。
Jul 16, 2026
UBSI daily MACD crossed upUBSI 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $48.22.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$48.22。
Jul 16, 2026
UBSI RSI reached overboughtUBSI RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $48.22.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$48.22。
Jul 10, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 8, 2026
UBSI daily MACD crossed downUBSI 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $45.30.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$45.30。
Jul 7, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 1, 2026
UBSI made a new 52-week highUBSI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $46.94.价格创出52周新高 — 全市场关注的动量/趋势极值。$46.94。

Showing last 15 of显示最近15条，共 249 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.12
Value价值
+1.1
Quality质量
-0.7
Investment资本投入
-0.2
Shareholder payout股东回报
-0.5
Low volatility低波动
+1.0
Low market beta低市场敏感度
+0.3
Earnings quality盈利质量
-0.8
Short interest空头兴趣
+0.1

Company Profile公司档案

United Bankshares, Inc. is a bank holding company dual-headquartered in Charleston, West Virginia and Fairfax, Virginia with operations in West Virginia, Virginia, the District of Columbia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, and Georgia in the United States.UnitedBankshares,Inc.是一家银行控股公司，双总部位于西弗吉尼亚州查尔斯顿和弗吉尼亚州费尔法克斯，业务遍及美国西弗吉尼亚州、弗吉尼亚州、哥伦比亚特区、马里兰州、俄亥俄州、宾夕法尼亚州、北卡罗来纳州、南卡罗来纳州和佐治亚州。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
  • Capital intensity rising
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