UBSI vs VLY
United Bankshares vs Valley Bank — AI-powered side-by-side comparison
UBSI
United Bankshares
73
Buy
VS
| Metric | UBSI | VLY |
|---|
| AI Score |
73
|
68
|
| Price |
$48.33
|
$14.54
|
| P/E Ratio |
13.17×
|
12.02×
|
| ROE |
8.5%
|
7.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
67.8%
|
50.5%
|
| Debt / Equity |
0.15×
|
0.44×
|
| Dividend Yield |
3.1%
|
3.0%
|
| RSI (14) |
51.1
|
49.7
|
| Beta |
0.73
|
1.048
|
| Expected Upside |
—
|
+1.0%
|
AI Committee View
Current Innellis committee reasoning for UBSI versus VLY.
UBSI leads by 5 points.
UBSI scores 73/100 (Buy) versus VLY at 68/100 (Buy).
UBSI Committee View
100% agreement
6 analysts
The primary driver is revenue growing 50.6% yoy -- genuine top-line momentum. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 3.1% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
VLY Committee View
75% agreement
4 analysts
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical