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United Bankshares Inc (UBSI) — chart, structure and Closelooknet read

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Signals for this name

Every Closelooknet reading that exists for UBSI, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 62/100 · S&P 500 fund at 67, bullish alignedEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-09-25
  • Factor regime Momentum leading — risk appetite buildingMomentum against low volatility (SPMO / SPLV): above its 50-day trend, 99th percentile of the window, +8.4% over 20 sessions. Factor regime → 2026-09-25
  • Sovereign pressure Index 0.61 · up 0.29 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-09-25
How it trades on rate days beta 0.11 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How UBSI has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.11 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), United Bankshares Inc moved 0.11% on average · correlation 0.05 · higher than 15% of US names
  • Beta, last 3 months −0.08 about the same as over the year
  • On the 10 worst bond days −0.19% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +0.67% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · US · 5 names with week and year-to-date

Peer group

Banks - Regional · US

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against UBSI on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — United Bankshares Inc

UBSI in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
United Bankshares runs a commercial and retail bank through its subsidiaries, taking deposits and savings accounts and lending to small and mid-size businesses, dealers and merchants, alongside mortgage, construction and consumer loans. It also offers credit cards, trust and asset-management services, brokerage and fiduciary work, and standard digital and branch banking channels. It is headquartered in Charleston, West Virginia, and has traded publicly since 1990.
Where it sits in the stack
United Bankshares carries no seat in our index and sits outside the AI build-out stack the diary tracks under Rubin; it belongs to the regional banking sleeve of our wider coverage, alongside other US bank holding companies we follow for context rather than for build-out exposure.
Who it is priced against
The diary holds no peer group for United Bankshares; the market usually places regional bank holding companies of this size alongside names such as WesBanco.
Why Closelooknet tracks it
United Bankshares holds no index seat, carries no Closelooknet score, and has not appeared in the diary's editions or quotes; it is followed only within our broader banking coverage, separate from the AI-linked names we score and quote.
What the diary watches
The diary watches whether the shares hold above the 200-day trend as the price sits closer to that support than to its recent high.

United Bankshares Inc (UBSI) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

Dividends and capital return trailing yield 3.24%, quarterly · buybacks 127 m USD in FY2025

Dividends and capital return

What UBSI pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 1.52 USD per share · a 3.24% yield on the 2026-09-25 close 4 distributions, paid quarterly 2026-09-25
  • Change on the year +37.0% against the prior twelve months prior twelve months 1.11 USD per share
  • Last distribution 0.38 USD per share as the price series records it, within days of the ex-date 2026-09-11
  • By calendar year 2025: 1.49 USD (partial) · 2026: 1.14 USD to date first distribution recorded in the three-year window: 2025-03-14
  • Dividends paid, FY2025 209 m USD 41% of earnings
  • Buybacks, FY2025 127 m USD 2.0% of today's market value
  • Share count +4.0% in FY2025 13 m USD of stock-based compensation in the year
  • Capital returned 336 m USD · 70% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-09-26

Quick answers

What is United Bankshares Inc (UBSI)?

United Bankshares Inc trades as UBSI on the US exchange (US) in the Closelooknet research universe, as of the registry build of 2026-09-26.

Is UBSI in a Closelooknet index?

Not currently — United Bankshares Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-09-26.

Where does UBSI trade against its moving averages?

Pullback inside an uptrend stack: Trades -1.8% vs the 50-day and +7.7% vs the 200-day average, 5.6% below the 52-week high and +41.3% off the 52-week low. Computed from daily closes. As of 2026-09-25 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does United Bankshares Inc trade when bond yields rise?

Over the past year United Bankshares Inc had a beta of 0.11 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 15% of US names. On the 10 sessions in which long bonds fell most it moved −0.19% on average, against −0.74% for the S&P 500. The "How it trades on rate days" block on this page carries the lines.

What does United Bankshares Inc do?

United Bankshares runs a commercial and retail bank through its subsidiaries, taking deposits and savings accounts and lending to small and mid-size businesses, dealers and merchants, alongside mortgage, construction and consumer loans. It also offers credit cards, trust and asset-management services, brokerage and fiduciary work, and standard digital and branch banking channels. It is headquartered in Charleston, West Virginia, and has traded publicly since 1990. The diary holds no peer group for United Bankshares; the market usually places regional bank holding companies of this size alongside names such as WesBanco.

Where does United Bankshares Inc sit in the AI build-out?

United Bankshares carries no seat in our index and sits outside the AI build-out stack the diary tracks under Rubin; it belongs to the regional banking sleeve of our wider coverage, alongside other US bank holding companies we follow for context rather than for build-out exposure. United Bankshares holds no index seat, carries no Closelooknet score, and has not appeared in the diary's editions or quotes; it is followed only within our broader banking coverage, separate from the AI-linked names we score and quote.

Does United Bankshares Inc pay a dividend?

United Bankshares Inc has paid 1.52 USD per share over the last twelve months, paid quarterly, a trailing yield of 3.24% on the 2026-09-25 close; the last distribution recorded in the price series was 0.38 USD on 2026-09-11. In fiscal 2025 the company paid 209 m USD in dividends and bought back 127 m USD of its own shares, 70% of that year’s free cash flow. The share count rose 4.0% over the fiscal year. The "Dividends and capital return" block on this page carries the lines.

What does this page show?

A live price chart with SMA overlays and drawing tools for UBSI, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.