UBSI (United Bankshares) Moat Score : 4/10 (As of Jul. 02, 2025)

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What is United Bankshares Moat Score?

United Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

United Bankshares has Narrow Moat: United Bankshares has a modest moat due to its regional presence and customer relationships. However, it lacks significant scale or unique offerings to strengthen its moat further.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Bankshares might have Narrow Moat - Discernible but modest moat.

Competitive Comparison of United Bankshares's Moat Score

For the Banks - Regional subindustry, United Bankshares's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

United Bankshares's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where United Bankshares's Moat Score falls into.

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United Bankshares (NAS:UBSI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

United Bankshares Moat Score Related Terms

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United Bankshares Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Bankshares Inc (NAS:UBSI) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

UNK:Germany

Address

500 Virginia Street, 300 United Center, East Charleston, Charleston, WV, USA, 25301

Website

https://www.ubsi-inc.com

United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which accepts deposits, makes loans (for personal, credit card, commercial, and construction uses), provides brokerage services, safe deposit boxes, and related services.

Executives

Mark R Nesselroad	director	324 WEST RUN ROAD, MORGANTOWN WV 26505
J Paul Mcnamara	director	514 MARKET STREET, PARKERSBURG WV 26101
Peter A Converse	director	1201 NORTH NASH ST #502, ARLINGTON VA 22209
Gary G White	director	514 MARKET STREET, PARKERSBURG WV 26101
Kayes Henry M Jr	officer: EVP	122 NORTH ROSEMONT, MARTINSBURG WV 25401
Rice Lacy I Iii	director	514 MARKET ST, PARKERSBURG WV 26101
Diana Lewis Jackson	director	514 MARKET ST, PARKERSBURG WV 26101
Michael P Fitzgerald	director	C/O UNITED BANKSHARES, INC., 514 MARKET ST, PARKERSBURG WV 26101
Adams Richard M Sr	director, officer: Chairman of the Board & CEO	514 MARKET STREET, PARKERSBURG WV 26101
Chad J Mildren	officer: Executive Vice President	514 MARKET ST., PARKERSBURG WV 26101
Matthew L Humphrey	officer: Executive Vice President	514 MARKET ST., PARKERSBURG WV 26101
Michael Proctor	officer: Executive Vice President	514 MARKET ST., PARKERSBURG WV 26101
Anna J Schultheis	officer: Executive Vice President	514 MARKET ST, PARKERSBURG WV 26101
Ami L Shaver	officer: Executive Vice President	514 MARKET ST., PARKERSBURG WV 26101
Julie R Gurtis	officer: Executive Vice President	514 MARKET ST., PARKERSBURG WV 26101