UBSI
Next earnings: Jul 23, 2026 · Before open
Signal
Leaning Bullish1
Price
1
Move-0.30%Quiet session
Volume
1
Volume0.7× avgNormal activity
Technical
1
RSIRSI 56Momentum positive
PRICE
Prev Close
43.81
Open
43.80
Day Range43.41 – 44.10
43.41
44.10
52W Range34.10 – 45.93
34.10
45.93
81% of range
VOLUME & SIZE
Avg Volume
940.0K
FUNDAMENTALS
P/E Ratio
12.2x
Value territory
EPS (TTM)
Div Yield
0.03%
Beta
0.70
Low vol
Performance
1D
-0.30%
5D
+0.34%
1M
+4.32%
3M
+1.42%
6M
+22.05%
YTD
+13.75%
1Y
+23.84%
Best: 1Y (+23.84%)Worst: 1D (-0.30%)
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
revenue +11% YoY · 67% gross margin
Valuation
CHEAP
P/E 12x vs ~20x sector
Health
STRONG
CR 33.2 · FCF $3.49/sh
Strong Buy
Key MetricsTTM
Market Cap$6.10B
Revenue TTM$1.84B
Net Income TTM$504.50M
Free Cash Flow$486.95M
Gross Margin67.4%
Net Margin27.5%
Operating Margin34.8%
Return on Equity9.3%
Return on Assets1.5%
Debt / Equity0.14
Current Ratio33.20
EPS TTM$3.61

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
2 strong1 watch3 concern
47/100
Liquidity
33.20Strong
Leverage
0.14Strong
Coverage
1.1xConcern
ROE
9.3%Watch
ROIC
6.6%Concern
Cash
$2.5BConcern
ANALYST COVERAGE11 analysts
HOLD
+7.6%upside to target
L $44.00
Med $47.00consensus
H $49.00
Buy
218%
Hold
873%
Sell
19%
2 Buy (18%)8 Hold (73%)1 Sell (9%)
Full report →
Stock Health
Composite Score
3 of 5 signals bullish
6/10
Technicals
RSI RangeRSI 56 — Bullish momentum
Volume
Volume FlowDistribution — institutional selling
Fundamentals
Last EarningsBeat estimates
Analyst ConsensusHold
~
LiquidityCurrent Ratio 33.20 — healthy liquidity
Upcoming Events
EEarnings ReportMay 5, 2026
Tomorrow
DEx-Dividend DateAug 2, 2026
In 90 days
Technicals
Technical SetupBULLISH
Technicals →

Trend

UptrendGolden Cross · 50D leads 200D by 9.1%

+4.0% vs SMA 50 · +13.5% vs SMA 200

Momentum

RSI56.5
Positive momentum, not extended
MACD-0.38
Below zero — bearish pulse · expanding
Market Position
Price Levels
52W High
$45.93+5.2%
Current
$43.68
EMA 50
$40.95-6.2%
EMA 200
$38.72-11.4%
52W Low
$34.10-21.9%
52-Week RangeNear 52-week high
$34.1081th %ile$45.93
Squeeze SetupVolume-based
Distribution Pressure

Heavy distribution on elevated volume — institutions appear to be exiting. Squeeze setups unlikely while selling pressure persists.

20-Day Money Flow
Acc days:4
Dist days:6
Edge:+2 dist
Volume Context
Avg Vol (50D)788K
Recent Vol (5D)
1.2M+55%

Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.

Earnings & Analysts

ANALYST ESTIMATES

Consensus of 4 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2023
$1.0B
$1.0B$1.0B
$2.66
±1%
Low2
FY2024
$1.0B
$1.0B$1.0B
+2.5%$2.73+2.6%
±1%
Moderate4
FY2025
$1.2B
$1.2B$1.2B
+18.4%$3.22+18.0%
±0%
Moderate3
Range confidence:Tight (high)ModerateWide (low)
🔥Beat 4 consecutive quarters
Earnings HistoryUBSI
Last 8Q
+5.3%avg beat
Beat 7 of 8 quartersMissed 1 Estimates rising
+11%
Q3'24
+4%
Q4'24
+3%
Q1'25
-11%
Q2'25
+10%
Q3'25
+13%
Q4'25
+6%
Q1'26
+5%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Analyst Activity
All ratings →
No recent activity
Piper SandlerOverweight
Oct 23
UPGRADE
Insider Activity
SEC Filings →
3 Buys/0 SellsNet Buying
Winter P ClintonDir
$0
Apr 1
BUY
Winter P ClintonDir
$0
Mar 4
BUY
Winter P ClintonDir
$0
Feb 25
BUY
Financials
Dividends3.43% yield
+1.5% avg annual growth
Annual Yield3.43%
Quarterly Div.$0.3800
Est. Annual / Share$1.52
FrequencyQuarterly
Q2'24
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26

Dividend per payment — last 8 periods

INSTITUTIONAL OWNERSHIP

1
Nuveen, LLC
903K
2
VAUGHAN NELSON INVESTMENT MANAGEMENT, L.P.
832K
3
ProShare Advisors LLC
779K
4
NTV ASSET MANAGEMENT LLC
173K
5
Retirement Systems of Alabama
171K
6
OLD NATIONAL BANCORP /IN/
147K
7
NEW YORK STATE TEACHERS RETIREMENT SYSTEM
127K
8
OPPENHEIMER ASSET MANAGEMENT INC.
114K
News & Activity

UBSI News

20 articles · 4h ago

About

at united, we are committed to providing each customer with an unmatched level of service. while we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. united isn’t just growing to get bigger. we are growing to satisfy the continued demand for a bank that focuses on service. with 130 branches across maryland, ohio, pennsylvania, virginia and west virginia and over 1600 employees, our mix of competitive products, combined with a high level of service and a focus on relationships is an overwhelming value proposition for our customers.

Industry
Monetary Authorities-Central Bank
Rex L. SmithRegional President
Ross DraberExecutive Vice President & Chief Operating Officer
W. Mark TattersonExecutive Vice President, Chief Financial Officer & Treasurer
PeersFinancial Services(7 companies)
Screen sector →
SymbolPriceDay %Mkt CapP/ERev GrwMarginELO
UBSI
$43.68-0.30%$6.1B12.1+1233.3%2551.9%1500
$312.47-0.24%$842.7B14.8+330.7%2039.3%1502
$328.03-0.55%$628.8B28.2+1134.0%5014.5%1498
$495.46-1.48%$438.6B28.4+1641.6%4564.7%1488
$53.24-0.41%$382.1B12.2-45.1%1592.6%1501
$190.18-0.22%$302.0B16.4+1147.7%1466.4%1516
$923.71-0.01%$274.1B15.5-138.4%1373.0%1515
Sector avg-0.46%18.2+757.7%2657.5%1503