INTR vs UBSI
Inter & Co, Inc. vs United Bankshares — AI-powered side-by-side comparison
INTR
Inter & Co, Inc.
64
Buy
VS
UBSI
United Bankshares
73
Buy
| Metric | INTR | UBSI |
|---|
| AI Score |
64
|
73
|
| Price |
$5.21
|
$48.50
|
| P/E Ratio |
7.71×
|
13.22×
|
| ROE |
12.9%
|
8.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
40.4%
|
67.8%
|
| Debt / Equity |
3.10×
|
0.15×
|
| Dividend Yield |
2.2%
|
3.1%
|
| RSI (14) |
33.0
|
46.0
|
| Beta |
0.961
|
0.727
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for INTR versus UBSI.
UBSI leads by 9 points.
UBSI scores 73/100 (Buy) versus INTR at 64/100 (Buy).
INTR Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 35.6% yoy. Technical Analyst remains cautious — price structure making lower highs and lower lows. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 7.8 is inexpensive for the broad market — Value
- ROE of 15.0% shows genuine earnings power backing the valuation — Value
- EPS growing 35.6% YoY — Growth
Bear Case
- Debt-to-equity of 1.78 adds balance-sheet risk to the value case — Value
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
UBSI Committee View
83% agreement
6 analysts
The primary driver is revenue growing 50.6% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.8 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 3.2% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical