UBSI's Quality Score rose 2 points on Mon, Nov 2, to 15. It closed near its high of the day (2 chart checks started).
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Up 40% in a year while the S&P 500 rose 12%.
“Net Interest Income increased $8.9 million primarily due to loan growth that was largely funded by deposit growth”
| Outperforming | Up 14% in 6 months vs the S&P's +5% |
| Latest filing | 8-K, Oct 22 |
After its last 4 reports it closed +1.2% on average, higher 3 of 4 times.
Excellentfor quality, not price, 7 of 14 chart checks firingWhat the Quality Score means
Well above its recent run. UBSI scores 15 today, against a median of 9.5 over its last 20 recorded sessions.
UBSI is #11 of 167 by Quality Score.
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Cash and short-term investments: UBSI $2.08B, HOMB $1.05B, UCB $455M, STBA $218M.
Expected to report Thu Jan 21, before the open (in 80 days). Expected.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“Net Interest Income increased $8.9 million primarily due to loan growth that was largely funded by deposit growth, the impact of strategic purchases of higher yielding investment securities throughout 2026, and the impact of higher market interest rates.”
UBSI's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Loan purchase accounting accretion | $22M |
“Noninterest Expense increased $2.0 million driven by a $2.8 million increase in employee compensation and a $2.7 million increase in the expense for the reserve for unfunded loan commitments, partially offset by a $3.7 million decrease in employee benefits.”
From its results filing (SEC filing · Oct 22)
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Oct 22, 2026 | -0.6% | +2.7% | +1.8% |
| Jul 23, 2026 | -0.2% | +1.0% | +4.2% |
| Apr 23, 2026 | +0.3% | +1.2% | -0.1% |
One insider sold $149K across 1 filing in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
UBSI scores 15 today, which Breakaway calls Excellent. It is #11 of 167 in Banks by Quality Score, with 7 of 14 chart checks firing. Up 40% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UBSI scores 15 today, which Breakaway calls Excellent (15 to 19). That is #11 of 167 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UBSI's 15.
One insider sold $149K across 1 filing in the last 6 months. No open-market buys on record. The newest is Mark R. Nesselroad, Director, who sold $149K on Sep 1.
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