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UBSI

United Bankshares Inc
Chart
$43.90
Latest Week 2026-06-05
Financial ServicesBanks - RegionalMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.94
OS Score
83.0%
Value
86.0%
Quality
72.0%
Momentum
8/9
F-Score
0.845
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
12 of 23 passing
★
OS Composite
OS 0.940
↗
Trending Value
✗
◆
Quality × Value
QV 0.845
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
14.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
F8
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
Rev +11%
🔄
Shareholder Yield
3.4%
💰
High Yield
Div 3.4%
🚀
Momentum Leaders
12-1 24%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.16
V
Value Analysis
Cheapness relative to fundamentals
83.0%ile
P/E
12.2×
P/S
3.4×
P/B
1.1×
E/P
0.0820
FCF Yield
0.125
EBITDA/EV
0.141
SH Yield
0.034
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
21.00000000
/100 — 1=cheapest
VC2 (Trending Value)
17.00000000
/100
VC3 (Buyback)
17.00000000
/100
FCF yield of 12.5% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
86.0%ile
ROE
0.092
ROA
0.015
Net Margin
0.275
Op Margin
0.348
GPA
0.037
D/E
5.14
Current
33.20
F-Score
8/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.110
Earn Growth
0.362
Stability
0.169
lower=better
Accruals
-0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.14 — returns are being amplified by debt. F-Score of 8/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
72.0%ile
6M Return
17.7%
12M Return
25.6%
12-1 Mom
24.2%
Risk-Adj
1.16
Vol 252d
20.8%
Vol 60d
45.7%
↑ Expanding
Max DD 12M
-13.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 24% is very strong — a clear uptrend. Near-term vol (46%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.94
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
55.9%
Sector Quality %ile
76.8%
P/E z-score
-0.09
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
IFS Intercorp Financial Services Inc 98.0% 98.0% 90.0% 78.0%
SYF Synchrony Financial 98.0% 96.0% 97.0% 72.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (83th) and quality (86th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (83th value) with strong momentum (72th). The market is starting to recognise the value.
Piotroski + Value Convergence
F-Score 8/9 with good value (83th). Strong fundamental improvement in a cheap stock.
Volatility Expanding
60-day vol (46%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
75.6% avg (7 factors)
Quality
C
50.2% avg (8 factors)
Momentum
B
60.3% avg (4 factors)
Risk
A
82.0% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.940—1—
Value %ile0.830—1—
Quality %ile0.860—1—
Momentum %ile0.720—1—
F-Score8.000—1—
Confidence1.000—1—
Volatility0.208—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.19
Earnings Yield (E/P)
0.0820
Price / Sales
3.35
Price / Book
1.12
Price / Cash Flow
11.39
FCF Yield
12.5%
EBITDA / EV
14.1%
Sales Yield (1/P·S)
0.4040
Shareholder Yield
Div + net buyback / mktcap
3.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.2%
Return on Assets
1.5%
Net Margin
27.5%
Operating Margin
34.8%
Gross Profit / Assets
Novy-Marx GPA
3.7%
Debt / Equity
5.14
Current Ratio
33.20
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
MomentumPrice trend strength over different horizons
6M Return
17.7%
12M Return
25.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
24.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.16
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.0%
Earnings Growth (YoY)
36.2%
Earnings Stability (CV)
Lower = more stable
0.169
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
8
Dividend Yield
3.4%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
21
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
17
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
17
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity