United Bankshares, Inc. (UBSI) Fair Value 2026

UBSI · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.0 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, United Bankshares, Inc. (UBSI) trades at $47.60, versus a $33.55 median fair value across its 5 active models — 29.5% below the current price. QOC: 8.0/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
UBSI
Price
$47.60
Quality Score
8.0/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.0/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is United Bankshares, Inc. (UBSI) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, United Bankshares, Inc. (UBSI) appears overvalued as of : the median of 5 independent fair value estimates is $33.55, 29.5% below the current price of $47.60. Estimates range from $25.34 to $59.30. UBSI scores 8.0/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. UBSI’s -29.5% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy United Bankshares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give UBSI?

5 Intrinsic Value Models vs. Current Price ($47.60)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Medium Conviction
 $33.55 -29.5%
Intrinsic · High Conviction
 $25.34 -46.8%
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What Is UBSI's Fair Value Range?

Spread across 5 independent models · $25.34 to $59.30

CirclFi's 5 active models place United Bankshares, Inc. (UBSI) between $25.34 and $59.30 per share, a spread of 101% of the median. The median of that range — $33.55 — is the fair value CirclFi publishes for UBSI, against a current price of $47.60.

Low · Markov DDMHigh · Regime Cross
$25.34median $33.55$59.30
Where the range comes from
Most bearish modelMarkov DDM$25.34
Most bullish modelRegime Cross-Sectional$59.30
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for UBSI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on UBSI, not a CirclFi price target. How each model works →

What Is United Bankshares, Inc. (UBSI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, United Bankshares, Inc.'s intrinsic value is estimated at $33.55, suggesting the stock is overvalued at its current price of $47.60. With 4 out of 5 models flagging downside (-29.5% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +24.6% (fair value: $59.30), while Markov DDM is the most conservative at -46.8% ($25.34). The spread between these extremes — +71.3% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About UBSI?

5 of 13 models are currently active for UBSI. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for UBSI is $33.55 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does UBSI Rank in Banks - Regional?

Among 352 Banks - Regional stocks, UBSI ranks #170 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 places UBSI in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a financial institution, United Bankshares, Inc. operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating UBSI should weigh these sector-specific dynamics alongside our model-derived fair values.

Is UBSI a Value Trap?

CirclFi's Value Trap algorithm assigns UBSI a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for United Bankshares, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, United Bankshares, Inc.'s fundamental quality profile registers 8.0/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +71.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every UBSI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across UBSI's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy United Bankshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FRMEFirst Merchants CorporationQOC 8.0GABCGerman American Bancorp, Inc.QOC 8.0BWBBridgewater Bancshares, Inc.QOC 8.0TRMKTrustmark CorporationQOC 8.0INDBIndependent Bank Corp.QOC 8.0CBANColony Bankcorp, Inc.QOC 8.0FHNFirst Horizon CorporationQOC 7.5EWSBEWSB Bancorp, Inc.QOC 4.8FRSTPrimis Financial Corp.QOC 8.4STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FRME · GABC · BWB · TRMK · INDB · CBAN · FHN · EWSB · FRST · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to UBSI?

7 companies across all industries closest to UBSI’s Quality of Company score of 8.0/10.

HNIHNI CorporationQOC 8.0FEDUFour Seasons Education (Cayman) Inc.QOC 8.0ITICInvestors Title CompanyQOC 8.0TRSTriMas CorporationQOC 8.0REXRRexford Industrial Realty, Inc.QOC 8.0TRIPTripadvisor, Inc.QOC 8.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HNI · FEDU · ITIC · TRS · REXR · TRIP · NVDA

Where Does UBSI Sit in CirclFi's Banks - Regional Rankings?

UBSI is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About United Bankshares, Inc.’s Valuation?

What is United Bankshares, Inc.'s intrinsic value in 2026?

CirclFi puts United Bankshares, Inc. (UBSI)'s intrinsic value at $33.55 — the median of 5 independent model estimates as of 2026-08-28, ranging from $25.34 to $59.30. The Quality of Company score is 8.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UBSI overvalued or undervalued right now?

At $47.60, 1 of 5 active models suggest UBSI may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $33.55, 29.5% below the current price of $47.60 — a consensus view that UBSI is overvalued. The assessment depends on which methodology best fits United Bankshares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.0 mean for UBSI?

United Bankshares, Inc.'s QOC of 8.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on UBSI?

CirclFi analyzes UBSI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on UBSI?

Of the 5 models currently active on UBSI, Regime Cross-Sectional is the most bullish at $59.30 per share, and Markov DDM is the most bearish at $25.34. CirclFi's published fair value for UBSI is the median of that range, $33.55, not either extreme. The gap between the two ends equals 101% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is UBSI a value trap in 2026?

United Bankshares, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, United Bankshares, Inc. (UBSI) has a median fair value of $33.55 — 29.5% below the current price of $47.60 — as of 2026-08-28.” Source: circlfi.com/stock/UBSI/ · Methodology
Primary sources for this UBSI valuation
  • Financial statements: United Bankshares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000729986) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UBSI as of ; valuations recomputed .

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