United Bankshares vs United Community Banks
UBSI and UCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How UBSI and UCB compare
United Bankshares is the larger company, worth 1.5 times as much as United Community Banks ($6.6B against $4.5B).
On earnings, United Bankshares is cheaper: it trades at 13.0× trailing earnings, against 31.6× for United Community Banks.
United Bankshares grew revenue faster over the last twelve months (8.7% versus −20.6% for United Community Banks).
United Bankshares keeps more of each dollar of sales as profit, with a net margin of 40.0% compared with 17.8% at United Community Banks.
Both pay dividends: United Bankshares yields 3.2% and United Community Banks 2.7%.
United Bankshares scores higher on the StockData Score (14 against 9 for United Community Banks), 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 | UBSI | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $6.6B | $4.5B |
| Share price | $48.15 | $37.32 |
| Change, 1 year | 31.4% | 23.9% |
| Change, 5 years | 26.1% | 3.5% |
| Beta (5Y) | 0.69 | 0.82 |
| Employees | 2,635 | 3,070 |
| StockData Score | ||
| Total score | 14 (better) | 9 |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 (better) | 0 |
| Performance score | 3 (better) | 1 |
| Health score | 4 | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 13.0× (better) | 31.6× |
| P/S | 5.1× (better) | 5.5× |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 11.9× | 11.1× (better) |
| PEG | 2.46 (better) | 24.22 |
| FCF yield | 8.4% | 9.0% (better) |
| Fair value | $45.49 | $24.71 |
| Margin of safety | −5.9% (better) | −51.0% |
| Growth | ||
| Revenue growth (TTM) | 8.7% (better) | −20.6% |
| Revenue growth, 5Y average | 36.3% (better) | 13.0% |
| Net income growth (TTM) | 19.3% (better) | −53.8% |
| EPS growth (TTM) | 21.0% (better) | −53.2% |
| EPS growth, 5Y average | 6.4% | 6.5% (better) |
| Profitability | ||
| Net margin | 40.0% (better) | 17.8% |
| FCF margin | 42.9% | 49.1% (better) |
| Return on equity | 9.4% (better) | 4.1% |
| Financial health | ||
| Debt / equity | 0.03 (better) | 0.00 |
| Altman Z-score | 0.27 (better) | 0.18 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.2% (better) | 2.7% |
| Payout ratio | 41.3% | 83.3% |
| Years of dividend growth | 16 (better) | 11 |
| Dividend growth, 5Y average | 1.3% | 6.4% (better) |
| Buyback yield | 4.3% (better) | 2.6% |
| Shareholder yield | 7.5% (better) | 5.3% |
| Ownership | ||
| Held by institutions | 75.7% | 87.3% |
| Held by insiders | 2.4% | 0.72% |
| Insider net buying, 12 months | −$144K (better) | −$2.3M |
| Short interest, % of float | 4.6% | 4.8% |
Go deeper
- UBSI stock overview
- UBSI income statement
- UBSI valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.