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OBDC vs UBSI

OBDC
Blue Owl Capital Corporation
NEUTRAL
Price
$11.72
Market Cap
$5.82B
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
OBDC
9.45
UBSI
12.18
Forward P/E
OBDC
8.75
UBSI
11.52
P/B Ratio
OBDC
0.79
UBSI
1.1
P/S Ratio
OBDC
3.14
UBSI
4.79
EV/EBITDA
OBDC
--
UBSI
--

Profitability

Gross Margin
OBDC
100.0%
UBSI
0.0%
Operating Margin
OBDC
75.88%
UBSI
52.71%
Profit Margin
OBDC
33.89%
UBSI
40.34%
ROE
OBDC
9.4%
UBSI
9.34%
ROA
OBDC
5.67%
UBSI
1.52%

Growth

Revenue Growth
OBDC
13.5%
UBSI
18.5%
Earnings Growth
OBDC
-40.9%
UBSI
50.8%

Financial Health

Debt/Equity
OBDC
1.26
UBSI
--
Current Ratio
OBDC
0.73
UBSI
--
Quick Ratio
OBDC
0.67
UBSI
--

Dividends

Dividend Yield
OBDC
12.88%
UBSI
3.45%
Payout Ratio
OBDC
125.81%
UBSI
42.02%

AI Verdict

OBDC NEUTRAL

OBDC presents a complex profile with a stable Piotroski F-Score of 4/9 and a significant discount to book value (P/B 0.79). While the Graham Number suggests a defensive fair value of $20.33, this is heavily offset by a concerning earnings collapse (-40.90% YoY) and an unsustainable dividend payout ratio of 125.81%. The stock is currently caught between strong asset-based valuation and deteriorating fundamental earnings performance, resulting in a bearish technical trend.

Strengths
Trading at a significant discount to book value (P/B 0.79)
Strong operating margins (75.88%) and profit margins (33.89%)
Positive year-over-year revenue growth (13.50%)
Risks
Unsustainable dividend payout ratio (125.81%), indicating a high risk of a dividend cut
Severe decline in year-over-year earnings growth (-40.90%)
Negative quarterly momentum in both revenue (-19.36%) and earnings (-23.10%)
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

OBDC vs UBSI: Head-to-Head Comparison

This page compares Blue Owl Capital Corporation (OBDC) 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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