F.N.B. (FNB) vs United Bankshares (UBSI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
United Bankshares (UBSI) has outperformed F.N.B. (FNB) over the past year, gaining 22.2% versus a gain of 4.5%. Over five years, FNB leads with a +42.3% price change compared with +25.1% for UBSI. United Bankshares is the larger company by market cap ($6.22 billion vs $6.10 billion), about 1.0 times the size.
On valuation, F.N.B. trades at a lower forward P/E (9.1x vs 11.8x for United Bankshares). United Bankshares offers the higher dividend yield (3.30% vs 2.84%). United Bankshares converts more of its revenue into profit, with a net margin of 37.5% versus 32.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FNB | UBSI |
|---|---|---|
| Share price | $17.28 | $45.70 |
| Market cap | $6.10B | $6.22B |
| 1-day change | +1.23% | +0.79% |
| YTD return | -0.18% | +18.07% |
| 1-year return | +4.53% | +22.18% |
| 5-year return | +42.25% | +25.08% |
| P/E ratio (TTM) | 10.29 | 12.45 |
| Forward P/E | 9.15 | 11.82 |
| EPS (TTM) | $1.68 | $3.67 |
| Dividend yield | 2.84% | 3.30% |
| Annual dividend | $0.49 | $1.51 |
| Revenue (latest FY) | $1.76B | $1.24B |
| Revenue growth (YoY) | +10.59% | +19.58% |
| Net income (latest FY) | $565.00M | $464.60M |
| Net margin | 32.01% | 37.55% |
| 52-week high | $19.59 | $49.62 |
| 52-week low | $14.46 | $34.10 |
| Distance from 52-week high | -11.79% | -7.90% |
| Analyst consensus | buy | none |
| Avg. price target upside | +19.91% | +10.13% |
| Average volume | 4.76M | 987.49K |
| Shares outstanding | 353.00M | 136.17M |
| Employees | 4,128 | 2,740 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- UBSI has outperformed FNB by 17.6 percentage points over the past year.
- United Bankshares is more profitable, keeping 37.5 cents of every revenue dollar as net income versus 32.0 cents for F.N.B..
- United Bankshares grew revenue faster in its latest fiscal year (+19.58% vs +10.59%).
About F.N.B.
FNB stock →F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States.
Finance · Major Banks · 4,128 employees
About United Bankshares
UBSI stock →United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.
Finance · Major Banks · 2,740 employees
FNB vs UBSI FAQ
Which is bigger, F.N.B. or United Bankshares?
United Bankshares (UBSI) is larger, with a market capitalization of $6.22B compared with $6.10B for F.N.B. (FNB).
Which stock has performed better over the past year, FNB or UBSI?
UBSI returned +22.18% over the past 12 months, compared with +4.53% for FNB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNB or UBSI?
FNB has the lower trailing P/E at 10.3, versus 12.5 for UBSI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, F.N.B. or United Bankshares?
United Bankshares has the higher yield at 3.30%, compared with 2.84% for F.N.B..
Are F.N.B. and United Bankshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.