Intl Bancshares vs United Bankshares
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The short version
- United Bankshares is the larger business, with $1.2B of revenue in fiscal 2025 against $842M for Intl Bancshares.
- United Bankshares grew revenue faster (19.6%, against 1.0%).
- Investors pay more for each dollar of United Banksharesβs earnings: a P/E of 13.3x against 10.1x for Intl Bancshares.
| Latest fiscal year | IBOC Β· FY25 | UBSI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.2B | $6.9B |
| Revenue | $842M | $1.2B |
| Free cash flow | β | β |
| Net income | $412M | $465M |
| Growth | ||
| Revenue growth | 1.0% | 19.6% |
| 5-year growth | 9.4% | 36.3% |
| Share count change | β0.1% | 4.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 49.0% | 37.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 13.6% | 8.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $91.7M | $336M |
| Valuation & quality | ||
| P/E | 10.1x | 13.3x |
| Piotroski F-score | β | β |
Revenue
FY16
IBOC $507M
UBSI $495M
FY17
IBOC $527M
UBSI $681M
FY18
IBOC $578M
UBSI $240M
FY19
IBOC $589M
UBSI $277M
FY20
IBOC $539M
UBSI $263M
FY21
IBOC $594M
UBSI $331M
FY22
IBOC $675M
UBSI $312M
FY23
IBOC $833M
UBSI $1.1B
FY24
IBOC $834M
UBSI $1.0B
FY25
IBOC $842M
UBSI $1.2B
IBOC
UBSI
Operating margin
FY16
IBOC β
UBSI β
FY17
IBOC β
UBSI β
FY18
IBOC β
UBSI β
FY19
IBOC β
UBSI β
FY20
IBOC β
UBSI β
FY21
IBOC β
UBSI β
FY22
IBOC β
UBSI β
FY23
IBOC β
UBSI β
FY24
IBOC β
UBSI β
FY25
IBOC β
UBSI β
IBOC
UBSI
Free cash flow
FY16
IBOC β
UBSI β
FY17
IBOC β
UBSI β
FY18
IBOC β
UBSI β
FY19
IBOC β
UBSI β
FY20
IBOC β
UBSI β
FY21
IBOC β
UBSI β
FY22
IBOC β
UBSI β
FY23
IBOC β
UBSI β
FY24
IBOC β
UBSI β
FY25
IBOC β
UBSI β
IBOC
UBSI
Return on capital
FY16
IBOC β
UBSI β
FY17
IBOC β
UBSI β
FY18
IBOC β
UBSI β
FY19
IBOC β
UBSI β
FY20
IBOC β
UBSI β
FY21
IBOC β
UBSI β
FY22
IBOC β
UBSI β
FY23
IBOC β
UBSI β
FY24
IBOC β
UBSI β
FY25
IBOC β
UBSI β
IBOC
UBSI
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.