United Bankshares (UBSI) Competitors

First Financial Bankshares (NASDAQ:FFIN) and United Bankshares (NASDAQ:UBSI) are both mid-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, community ranking, media sentiment, analyst recommendations, institutional ownership, dividends, valuation and profitability.

Do insiders & institutionals believe in FFIN or UBSI?

69.8% of First Financial Bankshares shares are owned by institutional investors. Comparatively, 70.8% of United Bankshares shares are owned by institutional investors. 4.2% of First Financial Bankshares shares are owned by insiders. Comparatively, 3.7% of United Bankshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Which has better valuation & earnings, FFIN or UBSI?

United Bankshares has higher revenue and earnings than First Financial Bankshares. United Bankshares is trading at a lower price-to-earnings ratio than First Financial Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Financial Bankshares	$483.50M	8.86	$198.98M	$1.40	21.41
United Bankshares	$1.54B	2.85	$366.31M	$2.62	12.38

Is FFIN or UBSI a better dividend stock?

First Financial Bankshares pays an annual dividend of $0.72 per share and has a dividend yield of 2.4%. United Bankshares pays an annual dividend of $1.48 per share and has a dividend yield of 4.6%. First Financial Bankshares pays out 51.4% of its earnings in the form of a dividend. United Bankshares pays out 56.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Financial Bankshares has raised its dividend for 13 consecutive years and United Bankshares has raised its dividend for 25 consecutive years. United Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more volatility & risk, FFIN or UBSI?

First Financial Bankshares has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500. Comparatively, United Bankshares has a beta of 1.01, indicating that its share price is 1% more volatile than the S&P 500.

Does the MarketBeat Community believe in FFIN or UBSI?

First Financial Bankshares received 43 more outperform votes than United Bankshares when rated by MarketBeat users. Likewise, 49.52% of users gave First Financial Bankshares an outperform vote while only 47.70% of users gave United Bankshares an outperform vote.

Company	Underperform	Outperform
First Financial Bankshares	Outperform Votes 312 49.52%	Underperform Votes 318 50.48%
United Bankshares	Outperform Votes 269 47.70%	Underperform Votes 295 52.30%

Do analysts recommend FFIN or UBSI?

First Financial Bankshares currently has a consensus target price of $31.33, indicating a potential upside of 4.51%. United Bankshares has a consensus target price of $37.00, indicating a potential upside of 14.06%. Given First Financial Bankshares' stronger consensus rating and higher probable upside, analysts clearly believe United Bankshares is more favorable than First Financial Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Financial Bankshares	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
United Bankshares	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

Is FFIN or UBSI more profitable?

First Financial Bankshares has a net margin of 30.03% compared to First Financial Bankshares' net margin of 22.51%. United Bankshares' return on equity of 14.28% beat First Financial Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Financial Bankshares	30.03%	14.28%	1.54%
United Bankshares	22.51%	7.72%	1.23%

Does the media prefer FFIN or UBSI?

In the previous week, First Financial Bankshares had 1 more articles in the media than United Bankshares. MarketBeat recorded 4 mentions for First Financial Bankshares and 3 mentions for United Bankshares. First Financial Bankshares' average media sentiment score of 1.88 beat United Bankshares' score of 1.77 indicating that United Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Financial Bankshares	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
United Bankshares	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

United Bankshares beats First Financial Bankshares on 11 of the 21 factors compared between the two stocks.