First BanCorp vs United Bankshares
FBP and UBSI side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FBP and UBSI compare
United Bankshares is the larger company, worth 1.6 times as much as First BanCorp ($6.6B against $4.0B).
On earnings, First BanCorp is cheaper: it trades at 11.0× trailing earnings, against 13.0× for United Bankshares.
United Bankshares grew revenue faster over the last twelve months (8.7% versus 1.7% for First BanCorp).
United Bankshares keeps more of each dollar of sales as profit, with a net margin of 40.0% compared with 28.4% at First BanCorp.
Both pay dividends: First BanCorp yields 2.3% and United Bankshares 3.2%.
First BanCorp scores higher on the StockData Score (18 against 14 for United Bankshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FBP | UBSI |
|---|---|---|
| Size and price | ||
| Market cap | $4.0B | $6.6B |
| Share price | $26.16 | $48.15 |
| Change, 1 year | 28.1% | 31.4% |
| Change, 5 years | 82.8% | 26.1% |
| Beta (5Y) | 0.85 | 0.69 |
| Employees | 3,218 | 2,635 |
| StockData Score | ||
| Total score | 18 (better) | 14 |
| Valuation score | 2 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 5 (better) | 3 |
| Health score | 6 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.0× (better) | 13.0× |
| P/S | 3.1× (better) | 5.1× |
| P/B | 2.1× | 1.2× (better) |
| P/FCF | 9.8× (better) | 11.9× |
| PEG | 1.04 (better) | 2.46 |
| FCF yield | 10.2% (better) | 8.4% |
| Fair value | $22.94 | $45.49 |
| Margin of safety | −14.0% | −5.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 8.7% (better) |
| Revenue growth, 5Y average | 9.3% | 36.3% (better) |
| Net income growth (TTM) | 10.4% | 19.3% (better) |
| EPS growth (TTM) | 15.0% | 21.0% (better) |
| EPS growth, 5Y average | 36.1% (better) | 6.4% |
| Profitability | ||
| Net margin | 28.4% | 40.0% (better) |
| FCF margin | 31.5% | 42.9% (better) |
| Return on equity | 19.4% (better) | 9.4% |
| Financial health | ||
| Debt / equity | 0.01 (better) | 0.03 |
| Altman Z-score | 0.38 (better) | 0.27 |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 3.2% (better) |
| Payout ratio | 32.9% | 41.3% |
| Years of dividend growth | 8 | 16 (better) |
| Dividend growth, 5Y average | 29.2% (better) | 1.3% |
| Buyback yield | 5.1% (better) | 4.3% |
| Shareholder yield | 7.4% | 7.5% (better) |
| Ownership | ||
| Held by institutions | 96.7% | 75.7% |
| Held by insiders | 2.5% | 2.4% |
| Insider net buying, 12 months | −$2.4M | −$144K (better) |
| Short interest, % of float | 4.6% | 4.6% |
Go deeper
- FBP stock overview
- FBP income statement
- FBP valuation and score
- UBSI stock overview
- UBSI income statement
- UBSI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.