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United Bankshares, Inc.: Business Overview, Financials & Competitive Analysis

United Bankshares, Inc. (NASDAQ: UBSI) is a financial services company with consolidated assets of more than $32 billion and is the parent company of United Bank, which comprises over 240 offices located throughout Wa...

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What's in This Report
United Bankshares, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Strong

Cyborg Score thesis

Stable regional bank with exceptional dividend history, strategic M&A execution, and outperforming asset quality metrics...

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Industry Community Banking & Regional Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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United Bankshares, Inc. Overview

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United Bankshares, Inc. (NASDAQ: UBSI) is a financial services company with consolidated assets of more than $32 billion and is the parent company of United Bank, which comprises over 240 offices located throughout Washington, D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, and other states. The company operates as a regional community and retail banking provider with a strong track record in shareholder returns.

Strategic Profile

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United Bankshares has provided over 50 consecutive years of dividend increases to shareholders, with only one other major banking company in the United States having achieved such a record. The company completed its 34th acquisition with Atlanta-based Piedmont Bancorp in 2024, reaching $32 billion in assets and becoming the 38th largest banking company by market capitalization. The company positions itself as a disciplined consolidator with proven acquisition and integration capabilities.

Competitive Landscape

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According to 3 analysts, the average rating for UBSI stock is "Hold" with a 12-month stock price target of $41.83, representing a 5.90% increase from the latest price. UBSI competes with large national and mid-sized regional banks in community banking, including regional consolidators and traditional large-cap banks. The company's stock has outperformed the KBW Bank Index since 1992, delivering a total shareholder return of 1,387% compared to the Index's 1,108%.

Industry Context

United Bankshares, Inc. operates in Community Banking & Regional Financial Services.

Key facts

Founded: 1982 · Headquarters: Charleston, WV · Employees: 2,553 · Revenue: $1.01B · Market cap: $6.0B

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The top findings that survived the multi-agent debate for United Bankshares, Inc..

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Citizens BankRegional banking with multi-state operationsM&T BankNortheast and Mid-Atlantic regional bankPNC BankLarge regional and national banking services

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Industry context

United Bankshares, Inc. operates in Community Banking & Regional Financial Services. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does United Bankshares, Inc. do?+
United Bankshares, Inc. (NASDAQ: UBSI) is a financial services company with consolidated assets of more than $32 billion and is the parent company of United Bank, which comprises over 240 offices located throughout Wa...
What is United Bankshares, Inc.'s Cyborg Score?+
United Bankshares, Inc. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are United Bankshares, Inc.'s main competitors?+
Named competitors include Citizens Bank, M&T Bank, PNC Bank. The full competitive landscape is in the AskCyborg report.
How can I get the full United Bankshares, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the United Bankshares, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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