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United Bankshares, Inc. (UBSI) vs Valley National Bancorp (VLY)

United Bankshares, Inc. and Valley National Bancorp are both Banks Regional companies. Valley National Bancorp is the larger, with a market value of $7.7B against $6.6B — 1.2× the size. Valley National Bancorp trades at the lower P/E: 11.0× against 13.1×. United Bankshares, Inc. grew revenue faster over the last twelve months: 3.71% against 3.27%. United Bankshares, Inc. has the higher net margin (28.0% vs 19.6%) and the higher return on invested capital (9.89% vs 5.93%). Both pay a dividend; United Bankshares, Inc. yields more (3.14% vs 3.12%). Across the 18 metrics below, United Bankshares, Inc. leads on 11 and Valley National Bancorp on 7.

Valuation

Metric UBSI VLY Banks Regional median
P/E 13.10 11.02 12.02
P/S 3.61 2.16 2.36
P/B 1.22 1.03 1.23
Price to free cash flow 12.08 13.93 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.63% 9.07% 8.21%
Free cash flow yield 8.28% 7.18% 9.23%

Profitability

Metric UBSI VLY Banks Regional median
Gross margin 70.16% 61.80% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.02% 19.63% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.45% 9.50% 10.28%
Return on assets 1.52% 1.08% 1.13%
Return on invested capital 9.89% 5.93% 8.45%

Growth

Metric UBSI VLY Banks Regional median
Revenue growth (TTM) 3.71% 3.27% 6.37%
EPS growth (last fiscal year) 18.91% 46.38% 18.85%
Revenue growth, 5-year CAGR 9.57% 17.40% 12.65%
Net income growth, 5-year CAGR 9.96% 8.53% 9.81%

Health

Metric UBSI VLY Banks Regional median
Debt to equity 0.10 0.34 0.17
Current ratio 0.97 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric UBSI VLY Banks Regional median
Dividend yield 3.14% 3.12% 2.49%
Payout ratio 0.41 0.35 0.29

Size

Metric UBSI VLY Banks Regional median
Market cap 6.59b 7.74b 934.85m

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