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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 $7.1B against $6.4B — 1.1× the size. Valley National Bancorp trades at the lower P/E: 10.6× against 12.7×. United Bankshares, Inc. grew revenue faster over the last twelve months: 7.97% against 1.16%. United Bankshares, Inc. has the higher net margin (28.0% vs 18.7%) and the higher return on invested capital (10.2% vs 5.61%). Both pay a dividend; Valley National Bancorp yields more (3.47% vs 3.26%). Across the 19 metrics below, United Bankshares, Inc. leads on 12 and Valley National Bancorp on 7.

Valuation

Metric UBSI VLY Banks Regional median
P/E 12.69 10.57 11.98
P/S 3.50 1.97 2.34
P/B 1.17 0.93 1.19
Price to free cash flow 11.77 12.55 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.88% 9.46% 8.23%
Free cash flow yield 8.50% 7.97% 9.08%

Profitability

Metric UBSI VLY Banks Regional median
Gross margin 69.61% 60.51% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.97% 18.66% 18.66%
Free cash flow margin 29.05% 15.72% 21.11%
Return on equity 9.47% 8.98% 10.65%
Return on assets 1.55% 1.03% 1.13%
Return on invested capital 10.17% 5.61% 8.35%

Growth

Metric UBSI VLY Banks Regional median
Revenue growth (TTM) 7.97% 1.16% 6.98%
EPS growth (last fiscal year) 18.91% 46.38% 18.88%
Revenue growth, 5-year CAGR 9.57% 17.40% 12.38%
Net income growth, 5-year CAGR 9.96% 8.53% 9.71%

Health

Metric UBSI VLY Banks Regional median
Debt to equity 0.10 0.34 0.22
Current ratio 0.98 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric UBSI VLY Banks Regional median
Dividend yield 3.26% 3.47% 2.57%
Payout ratio 0.41 0.37 0.30

Size

Metric UBSI VLY Banks Regional median
Market cap 6.35b 7.05b 913.33m

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