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Commerce Bancshares, Inc. (CBSH) vs United Bankshares, Inc. (UBSI)

Commerce Bancshares, Inc. and United Bankshares, Inc. are both Banks Regional companies. Commerce Bancshares, Inc. is the larger, with a market value of $7.8B against $6.6B — 1.2× the size. United Bankshares, Inc. trades at the lower P/E: 13.1× against 13.3×. Commerce Bancshares, Inc. grew revenue faster over the last twelve months: 9.43% against 3.71%. United Bankshares, Inc. has the higher net margin (28.0% vs 25.8%) and the lower return on invested capital (9.89% vs 75.9%). Both pay a dividend; United Bankshares, Inc. yields more (3.14% vs 1.97%). Across the 18 metrics below, Commerce Bancshares, Inc. leads on 10 and United Bankshares, Inc. on 8.

Valuation

Metric CBSH UBSI Banks Regional median
P/E 13.31 13.10 12.02
P/S 3.41 3.61 2.36
P/B 1.88 1.22 1.23
Price to free cash flow 6.52 12.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.51% 7.63% 8.21%
Free cash flow yield 15.34% 8.28% 9.23%

Profitability

Metric CBSH UBSI Banks Regional median
Gross margin 83.93% 70.16% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.76% 28.02% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 14.94% 9.45% 10.28%
Return on assets 1.78% 1.52% 1.13%
Return on invested capital 75.90% 9.89% 8.45%

Growth

Metric CBSH UBSI Banks Regional median
Revenue growth (TTM) 9.43% 3.71% 6.37%
EPS growth (last fiscal year) 4.39% 18.91% 18.85%
Revenue growth, 5-year CAGR 9.02% 9.57% 12.65%
Net income growth, 5-year CAGR 10.60% 9.96% 9.81%

Health

Metric CBSH UBSI Banks Regional median
Debt to equity 0.00 0.10 0.17
Current ratio 0.82 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBSH UBSI Banks Regional median
Dividend yield 1.97% 3.14% 2.49%
Payout ratio 0.26 0.41 0.29

Size

Metric CBSH UBSI Banks Regional median
Market cap 7.84b 6.59b 934.85m

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