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Associated Banc-Corp (ASB) vs United Bankshares, Inc. (UBSI)

Associated Banc-Corp and United Bankshares, Inc. are both Banks Regional companies. United Bankshares, Inc. is the larger, with a market value of $6.4B against $5.5B — 1.2× the size. Associated Banc-Corp trades at the lower P/E: 10.1× against 12.7×. Associated Banc-Corp grew revenue faster over the last twelve months: 20.8% against 7.97%. United Bankshares, Inc. has the higher net margin (28.0% vs 19.1%) and the higher return on invested capital (10.2% vs 4.38%). Both pay a dividend; Associated Banc-Corp yields more (3.31% vs 3.26%). Across the 19 metrics below, Associated Banc-Corp leads on 11 and United Bankshares, Inc. on 8.

Valuation

Metric ASB UBSI Banks Regional median
P/E 10.06 12.69 11.98
P/S 2.12 3.50 2.34
P/B 1.00 1.17 1.19
Price to free cash flow 8.02 11.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.94% 7.88% 8.23%
Free cash flow yield 12.47% 8.50% 9.08%

Profitability

Metric ASB UBSI Banks Regional median
Gross margin 62.64% 69.61% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.12% 27.97% 18.66%
Free cash flow margin 26.45% 29.05% 21.11%
Return on equity 9.80% 9.47% 10.65%
Return on assets 1.03% 1.55% 1.13%
Return on invested capital 4.38% 10.17% 8.35%

Growth

Metric ASB UBSI Banks Regional median
Revenue growth (TTM) 20.78% 7.97% 6.98%
EPS growth (last fiscal year) 284.72% 18.91% 18.88%
Revenue growth, 5-year CAGR 11.50% 9.57% 12.38%
Net income growth, 5-year CAGR 9.83% 9.96% 9.71%

Health

Metric ASB UBSI Banks Regional median
Debt to equity 0.92 0.10 0.22
Current ratio 0.93 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASB UBSI Banks Regional median
Dividend yield 3.31% 3.26% 2.57%
Payout ratio 0.34 0.41 0.30

Size

Metric ASB UBSI Banks Regional median
Market cap 5.45b 6.35b 913.33m

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