UBSI
United Bankshares, Inc.
Banks - Regional
Market Cap$6.08B
5Y Perf.+49.8%
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Stock Comparison
UBSI vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$617.80B
5Y Perf.+64.9%
UBSI vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UBSI | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $6.08B | $617.80B |
| Revenue (TTM) | $1.82B | $40.00B |
| Net Income (TTM) | $465M | $22.24B |
| Gross Margin | 65.4% | 80.4% |
| Operating Margin | 32.4% | 60.0% |
| Forward P/E | 12.0x | 24.6x |
| Total Debt | $921M | $25.17B |
| Cash & Equiv. | $2.54B | $20.15B |
UBSI vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UBSI
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| United Bankshares, … (UBSI) | 100 | 149.8 | +49.8% |
| Visa Inc. (V) | 100 | 164.9 | +64.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UBSI vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: UBSI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Visa Inc. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
UBSI
United Bankshares, Inc.
The Banking Pick
UBSI carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 12.3%, EPS growth 18.9%
- Lower volatility, beta 0.95, Low D/E 16.8%, current ratio 28.21x
- Beta 0.95, yield 3.4%, current ratio 28.21x
Best for: growth exposure and sleep-well-at-night
V
Visa Inc.
The Banking Pick
V is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- 334.8% 10Y total return vs UBSI's 54.3%
- PEG 1.56 vs UBSI's 1.88
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | UBSI | 12.3% NII/revenue growth vs V's 11.3% |
| Value | UBSI | Lower P/E (12.0x vs 24.6x) |
| Quality / Margins | V | Efficiency ratio 0.2% vs UBSI's 0.3% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs UBSI's 0.95 |
| Dividends | UBSI | 3.4% yield, 5-year raise streak, vs V's 0.7% |
| Momentum (1Y) | UBSI | +27.7% vs V's -6.9% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs UBSI's 0.3% |
UBSI vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
UBSI vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLUBSILAGGINGV
VVisa Inc.
2leads
UBSIUnited Bankshares, In…
2leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
UBSI6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
UBSI4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 22.0x UBSI's $1.8B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to UBSI's 25.5%.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.8B | $40.0B |
| EBITDAEarnings before interest/tax | $590M | $27.6B |
| Net IncomeAfter-tax profit | $465M | $22.2B |
| Free Cash FlowCash after capex | $487M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +65.4% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +32.4% | +60.0% |
| Net MarginNet income ÷ Revenue | +25.5% | +50.1% |
| FCF MarginFCF ÷ Revenue | +26.4% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +30.0% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
UBSI leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 13.3x trailing earnings, UBSI trades at a 58% valuation discount to V's 31.6x P/E. Adjusting for growth (PEG ratio), V offers better value at 1.99x vs UBSI's 2.09x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $6.1B | $617.8B |
| Enterprise ValueMkt cap + debt − cash | $4.5B | $622.8B |
| Trailing P/EPrice ÷ TTM EPS | 13.32x | 31.57x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.03x | 24.65x |
| PEG RatioP/E ÷ EPS growth rate | 2.09x | 1.99x |
| EV / EBITDAEnterprise value multiple | 7.56x | 24.70x |
| Price / SalesMarket cap ÷ Revenue | 3.34x | 15.45x |
| Price / BookPrice ÷ Book value/share | 1.12x | 16.70x |
| Price / FCFMarket cap ÷ FCF | 12.64x | 28.63x |
UBSI leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $9 for UBSI. UBSI carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), UBSI scores 7/9 vs V's 5/9, reflecting strong financial health.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +8.6% | +58.9% |
| ROA (TTM)Return on assets | +1.4% | +22.7% |
| ROICReturn on invested capital | +7.2% | +29.2% |
| ROCEReturn on capital employed | +3.0% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.17x | 0.66x |
| Net DebtTotal debt minus cash | -$1.6B | $5.0B |
| Cash & Equiv.Liquid assets | $2.5B | $20.2B |
| Total DebtShort + long-term debt | $921M | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.01x | 26.72x |
V leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
UBSI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,474 today (with dividends reinvested), compared to $12,574 for UBSI. Over the past 12 months, UBSI leads with a +27.7% total return vs V's -6.9%. The 3-year compound annual growth rate (CAGR) favors UBSI at 16.4% vs V's 12.4% — a key indicator of consistent wealth creation.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +14.5% | -6.9% |
| 1-Year ReturnPast 12 months | +27.7% | -6.9% |
| 3-Year ReturnCumulative with dividends | +57.8% | +41.8% |
| 5-Year ReturnCumulative with dividends | +25.7% | +44.7% |
| 10-Year ReturnCumulative with dividends | +54.3% | +334.8% |
| CAGR (3Y)Annualised 3-year return | +16.4% | +12.4% |
UBSI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — UBSI and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than UBSI's 0.95 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UBSI currently trades 94.8% from its 52-week high vs V's 85.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.95x | 0.68x |
| 52-Week HighHighest price in past year | $45.93 | $375.51 |
| 52-Week LowLowest price in past year | $34.10 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +94.8% | +85.8% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 62.4 |
| Avg Volume (50D)Average daily shares traded | 917K | 7.0M |
Evenly matched — UBSI and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — UBSI and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates UBSI as "Hold" and V as "Buy". Consensus price targets imply 12.6% upside for V (target: $362) vs 7.1% for UBSI (target: $47). For income investors, UBSI offers the higher dividend yield at 3.40% vs V's 0.73%.
| Metric | UBSIUnited Bankshares… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $46.67 | $362.45 |
| # AnalystsCovering analysts | 11 | 61 |
| Dividend YieldAnnual dividend ÷ price | +3.4% | +0.7% |
| Dividend StreakConsecutive years of raises | 5 | 15 |
| Dividend / ShareAnnual DPS | $1.48 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | +2.2% |
Evenly matched — UBSI and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). UBSI leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallUnited Bankshares, Inc. (UBSI)Leads 2 of 6 categories
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UBSI vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is UBSI or V a better buy right now?
For growth investors, United Bankshares, Inc.
(UBSI) is the stronger pick with 12. 3% revenue growth year-over-year, versus 11. 3% for Visa Inc. (V). United Bankshares, Inc. (UBSI) offers the better valuation at 13. 3x trailing P/E (12. 0x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 61 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — UBSI or V?
On trailing P/E, United Bankshares, Inc.
(UBSI) is the cheapest at 13. 3x versus Visa Inc. at 31. 6x. On forward P/E, United Bankshares, Inc. is actually cheaper at 12. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Visa Inc. wins at 1. 56x versus United Bankshares, Inc. 's 1. 88x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — UBSI or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +44. 7%, compared to +25. 7% for United Bankshares, Inc. (UBSI). Over 10 years, the gap is even starker: V returned +334. 8% versus UBSI's +54. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — UBSI or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus United Bankshares, Inc. 's 0. 95β — meaning UBSI is approximately 40% more volatile than V relative to the S&P 500. On balance sheet safety, United Bankshares, Inc. (UBSI) carries a lower debt/equity ratio of 17% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — UBSI or V?
By revenue growth (latest reported year), United Bankshares, Inc.
(UBSI) is pulling ahead at 12. 3% versus 11. 3% for Visa Inc. (V). On earnings-per-share growth, the picture is similar: United Bankshares, Inc. grew EPS 18. 9% year-over-year, compared to 4. 8% for Visa Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — UBSI or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 25. 5% for United Bankshares, Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 32. 4% for UBSI. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is UBSI or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Visa Inc. (V) is the more undervalued stock at a PEG of 1. 56x versus United Bankshares, Inc. 's 1. 88x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, United Bankshares, Inc. (UBSI) trades at 12. 0x forward P/E versus 24. 6x for Visa Inc. — 12. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 12. 6% to $362. 45.
08Which pays a better dividend — UBSI or V?
All stocks in this comparison pay dividends.
United Bankshares, Inc. (UBSI) offers the highest yield at 3. 4%, versus 0. 7% for Visa Inc. (V).
09Is UBSI or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +334. 8% 10Y return). Both have compounded well over 10 years (V: +334. 8%, UBSI: +54. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between UBSI and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: UBSI is a small-cap deep-value stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(UBSI: 12.3% · V: 11.3%)Net Margin>
%
(UBSI: 25.5% · V: 50.1%)P/E Ratio<
x
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