NASDAQ: UBSI · Regional Banks
United Bankshares (UBSI) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values United Bankshares (UBSI) at $33.79 a share. The stock last closed at $47.04, which puts the model's fair value 28.2% below the price. On the model's bands that reads as Overvalued.
Revalued . Price is the close of 2 Oct 2026. United Bankshares, Inc.
Faircurve Insights · 3 Oct 2026
United Bankshares, Inc. operates as a prominent financial holding company. It was founded in 1982 and is headquartered in Charleston, West Virginia.
Faircurve's model valued United Bankshares, Inc. at $33.79 a share on 3 Oct 2026, the midpoint of 2,000 simulations. The previous run on 26 Sep 2026 gave $34.03, and the fair value moved -0.7%. The model's calibrated range over 63 trading days is $28.19 to $40.96. Ranges built this way held the price 60% of the time at this horizon. The evidence grade is High.
The model compares United Bankshares, Inc. with F.N.B. Corporation, Hancock Whitney Corporation, Valley National Bancorp, Home Bancshares, Inc., Glacier Bancorp, Inc., Atlantic Union Bankshares Corporation, Ameris Bancorp, and Associated Banc-Corp. Around its last 8 earnings reports, the stock moved +1.9%, +0.2%, -3.1%, +2.8%, -1.8%, +9.0%, +1.5%, and +0.5%. The median size, ignoring direction, was 1.8%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give UBSI?
The calibrated range for UBSI over 63 trading days is $28.19 to $40.96. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is above this range. For names with fair value 15%+ below price, the calibrated range has held the price 39% of the time over 63 trading days, and 59% ended above it; the typical move was −0.5%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $26.22 to $42.72. In 12% of the simulations the fair value came out above the price the model ran on.
How does UBSI compare with similar companies?
The companies in regional banks closest to United Bankshares in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $17.45 | $15.80 | -9.5% | Overvalued |
| HWC Hancock Whitney Corporation | $73.09 | $61.86 | -15.4% | Overvalued |
| VLY Valley National Bancorp | $12.82 | $12.72 | -0.8% | Fairly valued |
| HOMB Home Bancshares, Inc. | $28.67 | $22.47 | -21.6% | Overvalued |
| GBCI Glacier Bancorp, Inc. | $43.91 | $26.90 | -38.7% | Overvalued |
| AUB Atlantic Union Bankshares Corporation | $38.82 | $32.78 | -15.6% | Overvalued |
| ABCB Ameris Bancorp | $81.44 | $64.13 | -21.3% | Overvalued |
| ASB Associated Banc-Corp | $29.00 | $29.48 | +1.7% | Fairly valued |
When does UBSI report earnings, and how has the stock reacted?
United Bankshares's next earnings report is scheduled for 22 Oct 2026. Companies can move their dates.
How UBSI moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 1.8%.
| Report date | Two session move |
|---|---|
| 23 Jul 2026 | +1.9% |
| 23 Apr 2026 | +0.2% |
| 22 Jan 2026 | -3.1% |
| 23 Oct 2025 | +2.8% |
| 24 Jul 2025 | -1.8% |
| 24 Apr 2025 | +9.0% |
| 24 Jan 2025 | +1.5% |
| 24 Oct 2024 | +0.5% |
United Bankshares at a glance
Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company.
- Market value
- $6.5B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -28.9%
- Analysts with estimates
- 5
- Beta to the US market
- 0.50
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices United Bankshares on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for UBSI was $34.03. As of 3 Oct 2026 it is $33.79, a change of -0.7%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about United Bankshares's valuation
Is United Bankshares stock undervalued or overvalued?
On Faircurve's model, UBSI reads as Overvalued as of 3 Oct 2026. The model's fair value is $33.79 a share against a last close of $47.04, a gap of -28.2%.
What is UBSI's fair value?
$33.79 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $26.22 to $42.72.
What price range does the model give UBSI?
$28.19 to $40.96 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does United Bankshares report earnings next?
The next report is scheduled for 22 Oct 2026. Companies can move their dates.
How much has UBSI moved on past earnings reports?
Across its last 8 reports the median two session move was 1.8%, ignoring direction. The largest was +9.0% around the report of 24 Apr 2025.
How confident is the model in this valuation?
The model's evidence grade for UBSI is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.