Advertisement
CBSH vs UBSI
Which Stock Would AI Choose? Commerce Bancshares, Inc. (CBSH) vs. United Bankshares, Inc. (UBSI) Stock Comparison
Key Takeaways
- Both CBSH and UBSI are regional bank holding companies with diversified commercial and retail banking operations across multiple U.S. states.
- Recent market activity shows UBSI delivering stronger year-to-date total returns compared to broader benchmarks, supported by consistent dividend growth and share repurchases.
- CBSH has pursued strategic expansion through the acquisition of Nolan & Associates, enhancing its investment banking capabilities for middle-market clients.
- Both stocks have seen analyst price target increases in recent weeks, reflecting stable net interest margins and disciplined capital management amid a supportive interest rate environment.
- Risk factors for the pair include sensitivity to regional economic conditions, credit quality metrics such as net charge-offs (NCO), and potential shifts in Federal Reserve policy affecting net interest income (NII).
- Market sentiment remains constructive for both, with emphasis on capital return programs and operational efficiency rather than aggressive growth.
Introduction
Regional banks such as Commerce Bancshares, Inc. (CBSH) and United Bankshares, Inc. (UBSI) offer investors exposure to community-focused lending and deposit gathering within stable geographic footprints. This comparison examines their relative performance, business models, and positioning in the current market environment. It is particularly relevant for traders and investors seeking to understand contrasts in momentum, capital allocation strategies, and sector-specific catalysts within the regional banking space. The analysis draws on observable price behavior and recent corporate developments to highlight trade-offs without favoring either name.
CBSH Overview and Recent Performance
Commerce Bancshares, Inc. operates as the holding company for Commerce Bank, providing retail, corporate, investment, trust, and asset management services primarily in the Midwest and select other markets. In recent weeks, the stock has traded in a range supported by multiple analyst price target upgrades, including raises from Wells Fargo and Morgan Stanley. Key developments include the June 29 announcement of the acquisition of Nolan & Associates, which adds investment banking capabilities, and ongoing share repurchase activity. Sentiment has been influenced by expectations for Q2 2026 results scheduled for July 16 and prior portfolio repositioning that generated gains from Visa-related transactions. Broader market activity has reflected steady performance amid stable interest rate expectations.
UBSI Overview and Recent Performance
United Bankshares, Inc. serves as the parent of United Bank, offering commercial and retail banking, wealth management, and mortgage services across the Mid-Atlantic, Southeast, and Midwest regions with more than 240 offices. Recent market activity shows the stock achieving new 52-week highs near $47 before consolidating, with year-to-date total returns outpacing the S&P 500. First-quarter 2026 results released in April highlighted earnings of $0.89 per diluted share, share repurchases of approximately 1.7 million shares, and a continued streak of dividend increases. Sentiment has benefited from disciplined expense management and resilient net interest margins, while broader activity reflects investor focus on capital returns and operational stability.
Trending AI Robots
Tickeron’s Trending AI Robots page curates a selection of high-performing AI trading bots from hundreds available on the platform. These bots trade thousands of different tickers using varied strategies, timeframes, and performance statistics tailored to current market conditions. Only those demonstrating strong suitability, consistent results, and alignment with prevailing trends earn placement in the trending section. Available bots span a wide range of metrics, including different win rates, drawdown profiles, and trade frequencies, allowing users to explore options suited to diverse risk tolerances and styles. For detailed information on the latest trending selections, visit Trending AI Robots.
Head-to-Head Comparison
CBSH and UBSI share regional banking exposure but differ in geographic emphasis and recent catalysts. CBSH benefits from M&A-driven expansion in investment services, potentially broadening fee income, while UBSI emphasizes consistent dividend growth and buybacks that have supported shareholder returns. Momentum has favored UBSI in recent periods based on total return metrics, though CBSH maintains a higher absolute price level with its own series of target upgrades. Both face similar risk factors, including credit quality and interest rate sensitivity, but trade-offs center on CBSH’s acquisition integration versus UBSI’s proven capital return track record. Market sentiment for each remains tied to earnings stability rather than aggressive expansion.
Tickeron AI Verdict
Based on observable factors such as recent return consistency, capital allocation activity, and relative positioning within the regional bank sector, Tickeron’s AI would currently assign a modestly higher probability of favorable near-term trend continuation to UBSI. This assessment reflects its stronger documented total returns and ongoing shareholder return programs, balanced against CBSH’s acquisition catalyst and upcoming earnings visibility. The view remains probabilistic and subject to evolving market data.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CBSH is a Buy and UBSI is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CBSH’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).
- CBSH’s FA Score: 1 green, 4 red.
- UBSI’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CBSH’s TA Score shows that 4 TA indicator(s) are bullish while UBSI’s TA Score has 3 bullish TA indicator(s).
- CBSH’s TA Score: 4 bullish, 4 bearish.
- UBSI’s TA Score: 3 bullish, 5 bearish.
Price Growth
CBSH (@Regional Banks) experienced а -0.43% price change this week, while UBSI (@Regional Banks) price change was -0.73% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.58%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +15.22%.
Reported Earning Dates
CBSH is expected to report earnings on Jul 16, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (-0.58% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| CBSH | UBSI | CBSH / UBSI | |
| Capitalization | 8.53B | 6.36B | 134% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.942 | 22.391 | 58% |
| P/E Ratio | 14.37 | 12.93 | 111% |
| Revenue | 1.84B | 1.26B | 145% |
| Total Cash | 573M | 269M | 213% |
| Total Debt | 8.05M | 626M | 1% |
CBSH | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 44 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 39 Fair valued | |
PROFIT vs RISK RATING 1..100 | 82 | 45 | |
SMR RATING 1..100 | 22 | 24 | |
PRICE GROWTH RATING 1..100 | 47 | 47 | |
P/E GROWTH RATING 1..100 | 64 | 59 | |
SEASONALITY SCORE 1..100 | 50 | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
UBSI's Valuation (39) in the Regional Banks industry is somewhat better than the same rating for CBSH (72). This means that UBSI’s stock grew somewhat faster than CBSH’s over the last 12 months.
UBSI's Profit vs Risk Rating (45) in the Regional Banks industry is somewhat better than the same rating for CBSH (82). This means that UBSI’s stock grew somewhat faster than CBSH’s over the last 12 months.
CBSH's SMR Rating (22) in the Regional Banks industry is in the same range as UBSI (24). This means that CBSH’s stock grew similarly to UBSI’s over the last 12 months.
CBSH's Price Growth Rating (47) in the Regional Banks industry is in the same range as UBSI (47). This means that CBSH’s stock grew similarly to UBSI’s over the last 12 months.
UBSI's P/E Growth Rating (59) in the Regional Banks industry is in the same range as CBSH (64). This means that UBSI’s stock grew similarly to CBSH’s over the last 12 months.
| CBSH | UBSI | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | 1 day ago 79% |
| Stochastic ODDS (%) | 1 day ago 53% | 1 day ago 60% |
| Momentum ODDS (%) | 6 days ago 56% | 1 day ago 68% |
| MACD ODDS (%) | 1 day ago 60% | 1 day ago 57% |
| TrendWeek ODDS (%) | 1 day ago 57% | 1 day ago 58% |
| TrendMonth ODDS (%) | 1 day ago 46% | 1 day ago 49% |
| Advances ODDS (%) | 1 day ago 49% | 1 day ago 53% |
| Declines ODDS (%) | N/A | N/A |
| BollingerBands ODDS (%) | 1 day ago 61% | 1 day ago 68% |
| Aroon ODDS (%) | 1 day ago 44% | 1 day ago 43% |
Advertisement
CBSH and
Correlation & Price change
A.I.dvisor indicates that over the last year, CBSH has been closely correlated with ZION. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if CBSH jumps, then ZION could also see price increases.
| Ticker / NAME | Correlation To CBSH | 1D Price Change % | ||
|---|---|---|---|---|
| CBSH | 100% | +0.21% | ||
| ZION - CBSH | 82% Closely correlated | -0.42% | ||
| UCB - CBSH | 81% Closely correlated | -0.03% | ||
| UBSI - CBSH | 81% Closely correlated | +0.09% | ||
| HWC - CBSH | 81% Closely correlated | +0.70% | ||
| SSB - CBSH | 81% Closely correlated | +0.76% | ||
More | ||||
UBSI and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBSI has been closely correlated with AUB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBSI jumps, then AUB could also see price increases.
| Ticker / NAME | Correlation To UBSI | 1D Price Change % | ||
|---|---|---|---|---|
| UBSI | 100% | +0.09% | ||
| AUB - UBSI | 90% Closely correlated | -0.10% | ||
| TRMK - UBSI | 89% Closely correlated | +0.26% | ||
| FULT - UBSI | 88% Closely correlated | -0.04% | ||
| CATY - UBSI | 88% Closely correlated | +0.21% | ||
| TMP - UBSI | 87% Closely correlated | +0.03% | ||
More | ||||