LPLA vs UBSI
LPL Financial Holdings Inc. vs United Bankshares — AI-powered side-by-side comparison
LPLA
LPL Financial Holdings Inc.
55
Watch
VS
UBSI
United Bankshares
73
Buy
| Metric | LPLA | UBSI |
|---|
| AI Score |
55
|
73
|
| Price |
$371.31
|
$48.50
|
| P/E Ratio |
29.48×
|
13.22×
|
| ROE |
16.1%
|
8.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
25.2%
|
67.8%
|
| Debt / Equity |
1.30×
|
0.15×
|
| Dividend Yield |
0.3%
|
3.1%
|
| RSI (14) |
80.1
|
46.0
|
| Beta |
0.482
|
0.727
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for LPLA versus UBSI.
UBSI leads by 18 points.
UBSI scores 73/100 (Buy) versus LPLA at 55/100 (Watch).
LPLA Committee View
50% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — bollinger bandwidth of 19.3% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 18.4% shows genuine earnings power backing the valuation — Value
- Revenue growing 38.8% YoY -- genuine top-line momentum — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 28.4 is moderate-to-rich — Value
- Price-to-book of 5.3x prices in significant intangible value — Value
- EPS declining -14.2% YoY despite any revenue growth — Growth
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