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GBCI vs UBSI

GBCI
Glacier Bancorp, Inc.
NEUTRAL
Price
$48.72
Market Cap
$6.34B
Sector
Financial Services
AI Confidence
85%
UBSI
United Bankshares, Inc.
NEUTRAL
Price
$43.49
Market Cap
$5.99B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GBCI
24.48
UBSI
12.18
Forward P/E
GBCI
13.36
UBSI
11.52
P/B Ratio
GBCI
1.5
UBSI
1.1
P/S Ratio
GBCI
6.1
UBSI
4.79
EV/EBITDA
GBCI
--
UBSI
--

Profitability

Gross Margin
GBCI
0.0%
UBSI
0.0%
Operating Margin
GBCI
40.99%
UBSI
52.71%
Profit Margin
GBCI
25.67%
UBSI
40.34%
ROE
GBCI
7.07%
UBSI
9.34%
ROA
GBCI
0.9%
UBSI
1.52%

Growth

Revenue Growth
GBCI
41.4%
UBSI
18.5%
Earnings Growth
GBCI
31.1%
UBSI
50.8%

Financial Health

Debt/Equity
GBCI
--
UBSI
--
Current Ratio
GBCI
--
UBSI
--
Quick Ratio
GBCI
--
UBSI
--

Dividends

Dividend Yield
GBCI
2.71%
UBSI
3.45%
Payout Ratio
GBCI
82.91%
UBSI
42.02%

AI Verdict

GBCI NEUTRAL

GBCI presents a stark contrast between aggressive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the company exhibits impressive YoY revenue growth of 41.4% and earnings growth of 31.1%, the underlying financial health metrics are concerning. The stock currently trades at a premium to its Graham Number ($38.1) but below its growth-based intrinsic value ($58.7). The high dividend payout ratio of 82.91% combined with a bearish technical trend suggests limited immediate upside despite analyst 'buy' recommendations.

Strengths
Strong YoY Revenue Growth (41.40%)
Robust Earnings Growth (31.10% YoY, 50.50% Q/Q)
Significant Forward P/E compression (from 24.48 to 13.36)
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health
Unsustainable dividend payout ratio (82.91%)
Bearish technical trend (0/100)
UBSI NEUTRAL

UBSI presents a stark contradiction between strong valuation and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($56.24) and Intrinsic Value ($105.31), the Piotroski F-Score of 2/9 indicates severe weakness in financial health and operational efficiency. Despite impressive YoY earnings growth of 50.80% and consistent earnings beats, the bearish technical trend (10/100) and low insider sentiment suggest significant underlying risks that offset the attractive valuation.

Strengths
Significant undervaluation relative to Graham Number ($56.24) and Intrinsic Value ($105.31)
Strong earnings growth (YoY +50.80%) and revenue growth (YoY +18.50%)
Consistent track record of beating quarterly earnings estimates (3/4 last 4 quarters)
Risks
Critical fundamental health warning indicated by a Piotroski F-Score of 2/9
Strongly bearish technical trend (10/100) suggesting negative price momentum
Low insider sentiment (40/100) indicating lack of confidence from management

Compare Another Pair

GBCI vs UBSI: Head-to-Head Comparison

This page compares Glacier Bancorp, Inc. (GBCI) and United Bankshares, Inc. (UBSI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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