FB Financial vs United Bankshares
FBK 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 FBK and UBSI compare
United Bankshares is the larger company, worth 2.4 times as much as FB Financial ($6.6B against $2.7B).
On earnings, FB Financial is cheaper: it trades at 12.1× trailing earnings, against 13.0× for United Bankshares.
FB Financial grew revenue faster over the last twelve months (36.8% versus 8.7% for United Bankshares).
United Bankshares keeps more of each dollar of sales as profit, with a net margin of 40.0% compared with 33.3% at FB Financial.
Both pay dividends: FB Financial yields 1.2% and United Bankshares 3.2%.
FB Financial scores higher on the StockData Score (17 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 | FBK | UBSI |
|---|---|---|
| Size and price | ||
| Market cap | $2.7B | $6.6B |
| Share price | $54.63 | $48.15 |
| Change, 1 year | −0.98% | 31.4% |
| Change, 5 years | 18.5% | 26.1% |
| Beta (5Y) | 0.84 | 0.69 |
| Employees | 1,594 | 2,635 |
| StockData Score | ||
| Total score | 17 (better) | 14 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 5 (better) | 3 |
| Health score | 5 (better) | 4 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 12.1× (better) | 13.0× |
| P/S | 3.9× (better) | 5.1× |
| P/B | 1.4× | 1.2× (better) |
| P/FCF | 15.8× | 11.9× (better) |
| PEG | – | 2.46 |
| FCF yield | 6.3% | 8.4% (better) |
| Fair value | $55.89 | $45.49 |
| Margin of safety | 2.2% (better) | −5.9% |
| Growth | ||
| Revenue growth (TTM) | 36.8% (better) | 8.7% |
| Revenue growth, 5Y average | −0.27% | 36.3% (better) |
| Net income growth (TTM) | 125% (better) | 19.3% |
| EPS growth (TTM) | 110% (better) | 21.0% |
| EPS growth, 5Y average | 8.0% (better) | 6.4% |
| Profitability | ||
| Net margin | 33.3% | 40.0% (better) |
| FCF margin | 24.6% | 42.9% (better) |
| Return on equity | 11.9% (better) | 9.4% |
| Financial health | ||
| Debt / equity | – | 0.03 |
| Altman Z-score | 0.23 | 0.27 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 3.2% (better) |
| Payout ratio | 18.1% | 41.3% |
| Years of dividend growth | 7 | 16 (better) |
| Dividend growth, 5Y average | 16.1% (better) | 1.3% |
| Buyback yield | 8.1% (better) | 4.3% |
| Shareholder yield | 9.3% (better) | 7.5% |
| Ownership | ||
| Held by institutions | 81.2% | 75.7% |
| Held by insiders | 24.3% | 2.4% |
| Insider net buying, 12 months | $542K (better) | −$144K |
| Short interest, % of float | 6.9% | 4.6% |
Go deeper
- FBK stock overview
- FBK income statement
- FBK 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.