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GBCI vs UBSI
Which Stock Would AI Choose? Glacier Bancorp (GBCI) vs. United Bankshares (UBSI) Stock Comparison
Key Takeaways
- Both GBCI and UBSI are regional bank holding companies with similar market capitalizations around $6 billion, trading in the mid-$40s to low-$50s range.
- UBSI offers a higher dividend yield of approximately 3.5%, supported by record 2025 earnings, compared to GBCI's elevated payout ratio.
- GBCI trades at a higher trailing P/E ratio of 24.8 versus UBSI's 13.6, reflecting differing growth expectations.
- Recent momentum favors UBSI with YTD gains over 17% and post-acquisition rebound, while GBCI shows stability amid upcoming Q1 earnings.
- Both stocks benefit from regional banking sector resilience, with Q1 2026 earnings reports scheduled for late April providing near-term catalysts.
Introduction
Glacier Bancorp (GBCI) and United Bankshares (UBSI) represent prominent regional banks navigating a dynamic market environment marked by interest rate fluctuations and economic recovery signals. This stock comparison analyzes their business models, recent performance, and relative positioning, aiding dividend-focused investors, value seekers, and traders monitoring the regional banking sector. With both companies reporting Q1 2026 earnings imminently, insights into momentum, valuation, and growth drivers can inform portfolio decisions amid broader sector trends.
GBCI Overview and Recent Performance
Glacier Bancorp, Inc. (GBCI) is a Montana-based bank holding company operating approximately 220 branches across Western states including Montana, Idaho, Wyoming, Colorado, Utah, and Washington through its subsidiary Glacier Bank. The company focuses on commercial and consumer banking, emphasizing community-oriented services and strategic expansion via mergers and acquisitions (M&A).
In recent market activity, GBCI shares have traded around $49, within a 52-week range of $38.56 to $53.99, reflecting resilience amid regional bank volatility. Q4 2025 results showed an EPS of $0.49, missing estimates, though revenue slightly exceeded expectations at $287.55 million. Sentiment has been influenced by a maintained quarterly dividend and anticipation for Q1 2026 earnings on April 23, with analysts projecting upside potential. Recent weeks have seen modest gains, supported by sector recovery and stable deposit growth.
UBSI Overview and Recent Performance
United Bankshares, Inc. (UBSI) is a West Virginia-headquartered bank holding company with over 220 branches in the Mid-Atlantic and Southeast, including West Virginia, Virginia, Ohio, Pennsylvania, Maryland, North Carolina, South Carolina, and Georgia. Through United Bank, it provides commercial, retail, and investment services, bolstered by recent M&A activity.
Recent performance has been robust, with shares at approximately $44.50, near the 52-week high of $45.93 and up significantly from $33.03 lows. YTD returns exceed 17%, driven by record 2025 net income of $464.6 million and Q4 EPS of $0.91 beating consensus. The Piedmont integration enhanced asset quality and net interest income (NII, revenue from interest-bearing assets minus interest expenses), fueling a rebound. Q1 2026 earnings on April 23-24 are expected to sustain momentum, with a 3.49% dividend yield attracting income investors.
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Head-to-Head Comparison
Both GBCI and UBSI operate multi-state regional banking models centered on deposits, loans, and fee-based services, with growth via M&A. GBCI emphasizes Western expansion, while UBSI leverages Eastern footprints post-Piedmont deal for enhanced scale.
Valuation contrasts are stark: UBSI’s lower P/E signals value, versus GBCI’s premium pricing amid slower tangible book value per share (TBVPS) growth. Momentum tilts to UBSI with record earnings and YTD outperformance, though GBCI offers geographic diversification. Risk factors include interest rate sensitivity and non-performing loans (NPLs), but UBSI shows superior asset quality. Market sentiment favors UBSI’s yield and stability over GBCI’s growth narrative.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward UBSI over GBCI, citing its lower valuation, consistent earnings beats, post-M&A momentum, and attractive yield amid regional bank trends. While GBCI holds potential from diversification, UBSI’s relative stability and catalysts suggest higher probability of near-term outperformance, pending Q1 results.
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 Disclaimers and Limitations.
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 GBCI is a Buy and UBSI is a StrongBuy.
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).
GBCI’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).
- GBCI’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.
GBCI’s TA Score shows that 6 TA indicator(s) are bullish while UBSI’s TA Score has 4 bullish TA indicator(s).
- GBCI’s TA Score: 6 bullish, 4 bearish.
- UBSI’s TA Score: 4 bullish, 3 bearish.
Price Growth
GBCI (@Regional Banks) experienced а +1.93% price change this week, while UBSI (@Regional Banks) price change was +0.06% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.44%. For the same industry, the average monthly price growth was +6.98%, and the average quarterly price growth was +18.36%.
Reported Earning Dates
GBCI is expected to report earnings on Jul 23, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+1.44% 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.
| GBCI | UBSI | GBCI / UBSI | |
| Capitalization | 6.74B | 6.39B | 105% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 18.391 | 22.550 | 82% |
| P/E Ratio | 22.86 | 12.59 | 182% |
| Revenue | 1.09B | 1.26B | 86% |
| Total Cash | 322M | 269M | 120% |
| Total Debt | 322M | 626M | 51% |
GBCI | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 34 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 37 Fair valued | |
PROFIT vs RISK RATING 1..100 | 94 | 49 | |
SMR RATING 1..100 | 30 | 23 | |
PRICE GROWTH RATING 1..100 | 45 | 45 | |
P/E GROWTH RATING 1..100 | 49 | 57 | |
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 (37) in the Regional Banks industry is somewhat better than the same rating for GBCI (74). This means that UBSI’s stock grew somewhat faster than GBCI’s over the last 12 months.
UBSI's Profit vs Risk Rating (49) in the Regional Banks industry is somewhat better than the same rating for GBCI (94). This means that UBSI’s stock grew somewhat faster than GBCI’s over the last 12 months.
UBSI's SMR Rating (23) in the Regional Banks industry is in the same range as GBCI (30). This means that UBSI’s stock grew similarly to GBCI’s over the last 12 months.
UBSI's Price Growth Rating (45) in the Regional Banks industry is in the same range as GBCI (45). This means that UBSI’s stock grew similarly to GBCI’s over the last 12 months.
GBCI's P/E Growth Rating (49) in the Regional Banks industry is in the same range as UBSI (57). This means that GBCI’s stock grew similarly to UBSI’s over the last 12 months.
| GBCI | UBSI | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 81% | 3 days ago 79% |
| Stochastic ODDS (%) | 3 days ago 62% | 3 days ago 55% |
| Momentum ODDS (%) | 3 days ago 64% | N/A |
| MACD ODDS (%) | 3 days ago 64% | 3 days ago 48% |
| TrendWeek ODDS (%) | 3 days ago 62% | 3 days ago 55% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 49% |
| Advances ODDS (%) | 9 days ago 63% | 9 days ago 53% |
| Declines ODDS (%) | 5 days ago 63% | N/A |
| BollingerBands ODDS (%) | 3 days ago 69% | 3 days ago 71% |
| Aroon ODDS (%) | 3 days ago 54% | 3 days ago 43% |
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GBCI and
Correlation & Price change
A.I.dvisor indicates that over the last year, GBCI has been closely correlated with UBSI. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if GBCI jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To GBCI | 1D Price Change % | ||
|---|---|---|---|---|
| GBCI | 100% | -1.84% | ||
| UBSI - GBCI | 84% Closely correlated | N/A | ||
| SFNC - GBCI | 83% Closely correlated | N/A | ||
| ONB - GBCI | 83% Closely correlated | N/A | ||
| AUB - GBCI | 83% Closely correlated | -2.15% | ||
| FULT - GBCI | 82% Closely correlated | N/A | ||
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% | N/A | ||
| AUB - UBSI | 90% Closely correlated | -2.15% | ||
| FULT - UBSI | 89% Closely correlated | N/A | ||
| TRMK - UBSI | 89% Closely correlated | N/A | ||
| CATY - UBSI | 88% Closely correlated | N/A | ||
| HWC - UBSI | 87% Closely correlated | N/A | ||
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