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UBSI

United BanksharesC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Record Q2 earnings, stable NIM, lower provision expense, and management's second-half growth statement support a cautiously positive operating read. The completed repurchase program may also support per-share results.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.3.
What can break
Acquired-loan accretion declined to $5.0 million from $7.5 million sequentially.
Momentum
48
Value
52
Sentiment
66
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $49.00 · Bull $55.00 · Bear $42.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $50.33
Why
Momentum48 · Δ7d -0.3
Value52 · Δ7d -0.0
Sentiment66 · Δ7d +4.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.3.

Contradictions & invalidation

  • • Acquired-loan accretion declined to $5.0 million from $7.5 million sequentially.
  • • Credit deterioration or higher funding costs could pressure earnings and book value.
  • • Q2 benefited from investment-security and VISA-related gains, while acquired-loan accretion declined and loan yields weakened.

Catalyst clock

2026-07-27

Record Q2 earnings with modest operating improvement

Lead driver: Sentiment · See AI snapshot
Momentum
48
9% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-5.6
Value
52
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
66
62% active weight
Current posture
7d trendImproving
Δ7d
+4.3
Δ21d
+6.1
Why this grade

Composite grade C. Momentum 48.4 / Value 52.2 / Sentiment 66.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method

B+
Bull case
25%
Probability
Target price
$55.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$49.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$6.67B
Beta
0.79
Shares Out
136.21M
P/E (TTM)
12.8
P/S (TTM)
4.65
P/FCF (TTM)
19.98
Rev YoY
+0.9%
EPS YoY
+12.1%
Gross Margin
-
Op Margin
+35.0%
Net Debt
$578.17M
Current Ratio
0.10
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data