United Bankshares, Inc. (UBSI)

In the past six months, United Bankshares, Inc. (UBSI) stock has been impacted by several key events. The company reported record earnings for both the second and third quarters of 2025. Analyst sentiment has also positively impacted the stock, with Piper Sandler upgrading its outlook for United Bankshares from "Neutral" to "Overweight" on October 24, 2025. Additionally, on October 27, 2025, UBSI was upgraded to a Zacks Rank #2 (Buy), reflecting an upward trend in earnings estimates. The company has also consistently paid quarterly dividends, with the most recent being $0.37 per share, paid on October 1, 2025, to shareholders of record as of September 12, 2025. United Bankshares repurchased approximately 2.3 million shares of its common stock during the first nine months of 2025 at an average price of $34.53 per share.

The provided information does not explicitly detail the demand seasonality for United Bankshares, Inc.'s specific products and services. However, demand for its services can generally be influenced by broader economic cycles, interest rate fluctuations, and seasonal patterns in real estate and business activity. Mortgage demand can be higher during warmer months, and certain business lending might align with specific industry cycles. The company's loan portfolio geographic details indicate that loan growth in Q3 2025 was led by the Georgia, North Carolina, and Central Virginia markets, suggesting regional variations in demand.

United Bankshares, Inc. (UBSI) is a financial services company operating as a bank holding company, primarily offering commercial and retail banking products and services through United Bank. UBSI provides a range of banking and lending products, including checking, savings, and loan options such as commercial, real estate, and consumer loans. Additionally, the company offers treasury management, wealth management, mortgage services, credit cards, trust services, and online banking.

United Bankshares, Inc. has a significant geographic presence across the Mid-Atlantic and Southeast regions of the United States. The company operates approximately 240 to 250 full-service banking offices and 22 loan origination offices. Its operations span West Virginia, Virginia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Georgia, and Washington, D.C. The company maintains dual headquarters in Washington, D.C., and Charleston, West Virginia.

United Bankshares, Inc. is recognized for its commitment to the local communities it serves and for maintaining shareholder value. The company emphasizes its record of growth and service to both customers and communities. United Bankshares has a history of over 50 consecutive years of dividend increases, a testament to its financial stability and commitment to investors.

United Bankshares, Inc. has a diverse ownership structure, with a significant portion held by institutional investors. Approximately 54.47% to 73.34% of the company's stock is owned by institutional investors. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, State Street Corp, Dimensional Fund Advisors Lp, and iShares Core S&P Mid-Cap ETF. Individual investors and public companies also hold a substantial portion of the stock, while insiders own approximately 2.10% to 3.66%.