UBSI
United Bankshares Inc. Financial Services - Banking Investor Relations →
United Bankshares Inc. (UBSI) closed at $44.42 as of 2026-06-19, trading 31.2% above its 200-week moving average of $33.84. The stock is currently moving closer to the line, down from 34.0% last week. With a 14-week RSI of 73, UBSI is in overbought territory.
Trading volume is running at 1.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.94 ratio) is neutral — neither side is clearly dominating.
Over the past 1989 weeks of data, UBSI has crossed below its 200-week moving average 26 times. On average, these episodes lasted 18 weeks. Historically, investors who bought UBSI at the start of these episodes saw an average one-year return of +7.4%.
With a market cap of $6.1 billion, UBSI is a mid-cap stock. Return on equity stands at 9.3%. The stock trades at 1.1x book value.
Share count has increased 3.8% over three years, indicating dilution.
Over the past 33.5 years, a hypothetical investment of $100 in UBSI would have grown to $1685, compared to $3097 for the S&P 500. UBSI has returned 8.8% annualized vs 10.8% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: UBSI vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After UBSI Crosses Below the Line?
Across 24 historical episodes, buying UBSI when it crossed below its 200-week moving average produced an average return of +9.8% after 12 months (median +12.0%), compared to +9.7% for the S&P 500 over the same periods. 71% of those episodes were profitable after one year. After 24 months, the average return was +19.1% vs +20.3% for the index.
Each line shows $100 invested at the moment UBSI crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices UBSI would reach each dislocation threshold.
Dislocation Price Levels
Prices where UBSI's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-23.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $41.27 | Unusually cheap — potential buy zone |
| Value | +1σ | $42.90 | Cheap vs. own history |
| Fair Value | +0σ | $44.67 | Historical mean behavior |
| Expensive | -1σ | $46.58 | Expensive vs. own history |
| Deep Expensive | -2σ | $48.67 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from UBSI's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
UBSI has crossed below its 200-week MA 26 times with an average 1-year return of +7.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| May 1988 | Dec 1988 | 30 | 15.1% | -1.5% | +2815.1% |
| Jan 1989 | May 1991 | 125 | 31.2% | -7.2% | +2592.8% |
| Feb 2000 | Mar 2000 | 6 | 16.0% | +26.7% | +579.4% |
| May 2000 | Jan 2001 | 36 | 15.6% | +23.0% | +519.1% |
| Mar 2001 | Mar 2001 | 1 | 1.6% | +37.4% | +463.9% |
| Apr 2001 | Apr 2001 | 1 | 0.5% | +48.9% | +454.7% |
| Jun 2007 | Sep 2008 | 65 | 31.2% | -16.7% | +213.9% |
| Oct 2008 | Nov 2008 | 7 | 15.8% | -27.5% | +237.7% |
| Jan 2009 | Mar 2010 | 60 | 54.6% | -15.1% | +243.4% |
| May 2010 | Jun 2010 | 1 | 0.4% | -5.1% | +243.7% |
| Jun 2010 | Jul 2010 | 3 | 5.5% | +11.5% | +264.0% |
| Aug 2010 | Sep 2010 | 7 | 4.3% | -10.0% | +254.2% |
| May 2011 | Jun 2011 | 2 | 2.9% | +12.4% | +262.3% |
| Aug 2011 | Oct 2011 | 11 | 14.0% | +8.3% | +260.1% |
| Aug 2017 | Sep 2017 | 5 | 7.2% | +24.1% | +99.9% |
| Nov 2017 | Nov 2017 | 1 | 1.7% | +4.6% | +85.7% |
| Dec 2017 | Jan 2018 | 1 | 0.0% | -7.8% | +80.8% |
| Feb 2018 | Feb 2018 | 1 | 1.7% | +8.4% | +82.4% |
| Mar 2018 | May 2018 | 8 | 2.5% | +3.1% | +80.5% |
| Oct 2018 | Jan 2019 | 16 | 16.1% | +17.1% | +81.8% |
| Mar 2019 | Mar 2019 | 1 | 2.6% | -37.0% | +75.1% |
| Jan 2020 | Dec 2020 | 47 | 40.1% | -2.7% | +70.2% |
| May 2023 | Jul 2023 | 12 | 13.9% | +16.7% | +67.1% |
| Aug 2023 | Nov 2023 | 13 | 16.6% | +24.8% | +63.7% |
| Jun 2024 | Jul 2024 | 5 | 3.9% | +19.0% | +52.5% |
| Mar 2025 | Apr 2025 | 2 | 3.7% | +37.6% | +47.2% |
| Average | 18 | — | +7.4% | — |
Frequently Asked Questions
Is UBSI below its 200-week moving average?
No. United Bankshares Inc. (UBSI) is currently 31.2% above its 200-week moving average of $33.84. It would need to fall to $33.84 to cross below the line.
What is UBSI's 200-week moving average price?
United Bankshares Inc.'s 200-week moving average is $33.84 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when UBSI drops below its 200-week moving average?
UBSI has crossed below its 200-week moving average 26 times in our data. On average, buying at that moment produced a one-year return of +7.4%. These dips have historically been decent entry points. These episodes lasted 18 weeks on average.
Is UBSI a good value right now?
Here's what our data says about UBSI as of 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 73 (overbought). Return on equity is 9.3%. Price-to-book is 1.1x. This is not a buy or sell recommendation — always do your own research.
How does UBSI compare to the S&P 500?
Over the past 33.5 years, $100 invested in UBSI would have grown to $1685, compared to $3097 for the S&P 500. That's 8.8% annualized vs 10.8% for the index. UBSI has underperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-06-19