SAN vs UBSI
Banco Santander, S.A. vs United Bankshares — AI-powered side-by-side comparison
SAN
Banco Santander, S.A.
70
Buy
VS
UBSI
United Bankshares
73
Buy
| Metric | SAN | UBSI |
|---|
| AI Score |
70
|
73
|
| Price |
$14.70
|
$48.50
|
| P/E Ratio |
11.57×
|
13.22×
|
| ROE |
13.7%
|
8.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
72.3%
|
67.8%
|
| Debt / Equity |
4.12×
|
0.15×
|
| Dividend Yield |
1.9%
|
3.1%
|
| RSI (14) |
68.6
|
46.0
|
| Beta |
0.934
|
0.727
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for SAN versus UBSI.
UBSI leads by 3 points.
UBSI scores 73/100 (Buy) versus SAN at 70/100 (Buy).
SAN Committee View
83% agreement
6 analysts
The primary driver is revenue growing 57.2% yoy -- genuine top-line momentum. The main limiting factor is high leverage (debt-to-equity 3.14) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 11.6 is inexpensive for the broad market — Value
- Price-to-book of 1.5x is a discount to asset value — Value
- ROE of 15.5% shows genuine earnings power backing the valuation — Value
Bear Case
- Debt-to-equity of 3.14 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 3.14) amplifies downside in a stress scenario — Risk
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