B+
Bull case
25%
Probability
Target price
$55.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
UBSI
United BanksharesCNasdaq / Banks
Last Price
Quote time unavailable
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 -4.6.
What can break
Acquired-loan accretion declined to $5.0 million from $7.5 million sequentially.
Momentum
63
Value
51
Sentiment
56
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $50.33
Why
Momentum63 · Δ7d +4.0
Value51 · Δ7d -0.6
Sentiment56 · Δ7d -4.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -4.6.
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
63
8% active weight
Current posture
7d trendImproving
Δ7d
+4.0
Δ21d
+4.7
Value
51
47% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-0.8
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.6
Δ21d
-11.4
Why this grade
Composite grade C. Momentum 63.1 / Value 51.3 / Sentiment 55.9
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
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 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$6.63B
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data