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HOMB vs UBSI
Which Stock Would AI Choose? Home BancShares (HOMB) vs. United Bankshares (UBSI) Stock Comparison
Key Takeaways
- Both companies are well-capitalized regional bank holding companies, but HOMB (Home BancShares) operates primarily across the Sun Belt, while UBSI (United Bankshares) is concentrated in the Mid-Atlantic and Southeast.
- Home BancShares generates a notably higher net interest margin (NIM, the spread between interest earned and interest paid) and return on assets (ROA), while United Bankshares offers a larger balance sheet and greater geographic diversification.
- United Bankshares has shown stronger recent share-price momentum, with a larger year-to-date gain, while Home BancShares trades at a somewhat lower valuation multiple.
- Both banks are actively consolidating through acquisitions and both maintain long dividend-increase track records.
- The two names present a trade-off between higher profitability metrics (HOMB) and broader scale plus diversification (UBSI).
Introduction
Regional banks remain a focal point for investors weighing profitability, credit quality, and valuation against a shifting interest-rate and macroeconomic backdrop. This stock comparison examines HOMB (Home BancShares, Inc.) and UBSI (United Bankshares, Inc.), two established bank holding companies with disciplined capital-return histories and active acquisition strategies. Their relative performance and market positioning appeal to income-oriented and value-focused investors, as well as to traders tracking sector momentum. Because the two institutions differ meaningfully in footprint, profitability, and scale, a head-to-head review can clarify where each may hold an edge under current conditions.
HOMB Overview and Recent Performance
Home BancShares, Inc., based in Conway, Arkansas, is the holding company for Centennial Bank, with operations spanning Arkansas, Florida, Texas, Tennessee, Alabama, and New York City. The company has emphasized disciplined credit underwriting and non-dilutive, "triple accretive" mergers and acquisitions (M&A, or corporate deal-making). Recent quarters have been marked by the integration of Mountain Commerce Bank, a transaction that added roughly $1.5 billion in loans and deposits and is expected to yield annual cost savings of approximately $5.5 million to $6 million.
In recent weeks, HOMB has attracted attention for its income profile, with a dividend yield around 3.3%. Profitability metrics remain among the strongest in its peer group, including a NIM near 4.5% and an ROA of approximately 2.09%. Management has cited a ranking of #2 among U.S. banks over $10 billion in assets for 2025. Capital levels are robust, with a Common Equity Tier 1 (CET1) capital ratio above 16%, reflecting a conservative balance sheet. Price action has been comparatively measured, with a modest year-to-date advance even as longer-term returns have been substantial.
UBSI Overview and Recent Performance
United Bankshares, Inc., headquartered in Charleston, West Virginia, is the parent of United Bank and operates over 240 offices across Washington, D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, Georgia, Ohio, and Pennsylvania. With consolidated assets of approximately $34 billion, it ranks among the largest banking companies in the country by market capitalization. United has a long history of acquisitions, most recently completing its purchase of Atlanta-based Piedmont Bancorp in early 2025.
Recent market activity has favored UBSI, which has posted a year-to-date gain well into the double digits and has traded near the upper end of its 52-week range. Earnings have expanded year over year, supported by balance-sheet growth and a higher NIM of roughly 3.80%. The company has raised its dividend for 52 consecutive years, one of the longest such streaks in the industry. Despite strong share-price momentum, its NIM and ROA are lower than Home BancShares', reflecting a larger, more diversified loan and deposit base.
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Head-to-Head Comparison
The clearest contrast between the two is profitability versus scale. Home BancShares consistently posts a materially higher NIM (near 4.5% versus about 3.8%) and stronger ROA (roughly 2.09% versus about 1.5%), driven by a more concentrated, higher-yielding Sun Belt lending franchise. United Bankshares, in turn, operates a larger and more geographically diversified network that spans nine states and the District of Columbia, which can smooth regional economic swings.
Growth drivers also differ in emphasis. HOMB is focused on integrating Mountain Commerce Bank and pursuing further non-dilutive deals, while UBSI has integrated Piedmont Bancorp and continues expanding its Southeast presence. On valuation, Home BancShares trades at a lower price-to-earnings (P/E) multiple, while United Bankshares commands a premium that reflects its scale, diversification, and recent momentum. Key risk factors are shared: net-interest-income sensitivity to rate moves, credit costs, and execution risk around merger integrations.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward UBSI on trend consistency and relative momentum, given its stronger recent price performance and a market position near its 52-week high. At the same time, HOMB holds an edge on profitability quality and valuation, which could appeal to strategies emphasizing fundamentals over momentum. In probabilistic terms, the AI would likely view United Bankshares as better positioned on near-term trend strength, while recognizing that Home BancShares' superior margins and cheaper multiple make the relative outcome dependent on whether the market continues to reward momentum or rotates toward value.
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 HOMB is a Hold and UBSI is a Hold.
Momentum Indicator for HOMB turns negative, indicating new downward trend
HOMB saw its Momentum Indicator move below the 0 level on September 18, 2026. This is an indication that the stock could be shifting in to a new downward move. Traders may want to consider selling the stock or exploring put options. Tickeron's A.I.dvisor looked at 93 similar instances where the indicator turned negative. In 66 of the 93 cases, the stock moved further down in the following days. The odds of a decline are at 71%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Moving Average Convergence Divergence Histogram (MACD) for HOMB turned negative on September 21, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 46 similar instances when the indicator turned negative. In 27 of the 46 cases the stock turned lower in the days that followed. This puts the odds of success at 59%.
HOMB moved below its 50-day moving average on September 16, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where HOMB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
The Aroon Indicator for HOMB entered a downward trend on September 29, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where HOMB's RSI Indicator exited the oversold zone, 9 of 16 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 56%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 36 of 57 cases where HOMB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 63%.
Following a +1.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where HOMB advanced for three days, in 164 of 290 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
HOMB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 12 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 35 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock slightly better than average.
The Tickeron PE Growth Rating for this company is 47 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 54 (best 1 - 100 worst), indicating fairly steady price growth. HOMB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 59 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.270) is normal, around the industry mean (1.323). P/E Ratio (11.926) is within average values for comparable stocks, (23.509). Projected Growth (PEG Ratio) (0.230) is also within normal values, averaging (1.190). Dividend Yield (0.030) settles around the average of (0.030) among similar stocks. P/S Ratio (5.311) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
Momentum Indicator for UBSI turns negative, indicating new downward trend
UBSI saw its Momentum Indicator move below the 0 level on September 18, 2026. This is an indication that the stock could be shifting in to a new downward move. Traders may want to consider selling the stock or exploring put options. Tickeron's A.I.dvisor looked at 89 similar instances where the indicator turned negative. In 58 of the 89 cases, the stock moved further down in the following days. The odds of a decline are at 65%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Moving Average Convergence Divergence Histogram (MACD) for UBSI turned negative on September 21, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 45 similar instances when the indicator turned negative. In 28 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 62%.
UBSI moved below its 50-day moving average on September 16, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UBSI declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
The Aroon Indicator for UBSI entered a downward trend on October 13, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 3 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
Following a +2.39% 3-day Advance, the price is estimated to grow further. Considering data from situations where UBSI advanced for three days, in 154 of 292 cases, the price rose further within the following month. The odds of a continued upward trend are 53%.
UBSI may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 37 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock slightly better than average.
The Tickeron PE Growth Rating for this company is 40 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 46 (best 1 - 100 worst), indicating steady price growth. UBSI’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 52 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.154) is normal, around the industry mean (1.323). P/E Ratio (12.732) is within average values for comparable stocks, (23.509). Projected Growth (PEG Ratio) (0.260) is also within normal values, averaging (1.190). Dividend Yield (0.032) settles around the average of (0.030) among similar stocks. P/S Ratio (5.184) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
HOMB | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 83 | 80 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 59 Fair valued | 52 Fair valued | |
PROFIT vs RISK RATING 1..100 | 35 | 37 | |
SMR RATING 1..100 | 12 | 11 | |
PRICE GROWTH RATING 1..100 | 54 | 46 | |
P/E GROWTH RATING 1..100 | 47 | 40 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
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 (52) in the Regional Banks industry is in the same range as HOMB (59). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
HOMB's Profit vs Risk Rating (35) in the Regional Banks industry is in the same range as UBSI (37). This means that HOMB’s stock grew similarly to UBSI’s over the last 12 months.
UBSI's SMR Rating (11) in the Regional Banks industry is in the same range as HOMB (12). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's Price Growth Rating (46) in the Regional Banks industry is in the same range as HOMB (54). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's P/E Growth Rating (40) in the Regional Banks industry is in the same range as HOMB (47). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
| HOMB | UBSI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 56% | N/A |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 71% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 59% | 2 days ago 62% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 57% |
| Advances ODDS (%) | 13 days ago 57% | 13 days ago 53% |
| Declines ODDS (%) | 8 days ago 54% | 8 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 60% |
| Aroon ODDS (%) | 2 days ago 50% | 2 days ago 57% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HOMB’s FA Score shows that 1 FA rating(s) are green while UBSI’s FA Score has 1 green FA rating(s).
- HOMB’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.
HOMB’s TA Score shows that 4 TA indicator(s) are bullish while UBSI’s TA Score has 3 bullish TA indicator(s).
- HOMB’s TA Score: 4 bullish, 5 bearish.
- UBSI’s TA Score: 3 bullish, 5 bearish.
Price Growth
HOMB (@Regional Banks) experienced а -0.67% price change this week, while UBSI (@Regional Banks) price change was -0.83% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.97%. For the same industry, the average monthly price growth was -5.11%, and the average quarterly price growth was +3.41%.
Reported Earning Dates
HOMB is expected to report earnings on Oct 14, 2026.
UBSI is expected to report earnings on Oct 22, 2026.
Industries' Descriptions
@Regional Banks (-0.97% 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.
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|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| MAMB | 23.14 | 0.02 | +0.07% |
| Monarch Ambassador Income Index ETF (MAMB) | |||
| QYLD | 18.69 | 0.01 | +0.05% |
| Global X NASDAQ 100 Covered Call ETF (QYLD) | |||
| THLV | 31.38 | -0.10 | -0.31% |
| THOR Equal Weight Low Volatility ETF (THLV) | |||
| DOJE | 7.77 | -0.09 | -1.10% |
| REX-Osprey DOGE ETF (DOJE) | |||
| PFN | 6.20 | -0.11 | -1.74% |
| PIMCO Income Strategy Fund II | |||
HOMB and
Correlation & Price change
A.I.dvisor indicates that over the last year, HOMB has been closely correlated with UBSI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HOMB jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To HOMB | 1D Price Change % | ||
|---|---|---|---|---|
| HOMB | 100% | -0.49% | ||
| UBSI - HOMB | 87% Closely correlated | -0.43% | ||
| UCB - HOMB | 86% Closely correlated | -0.63% | ||
| FULT - HOMB | 85% Closely correlated | -0.99% | ||
| ASB - HOMB | 85% Closely correlated | -0.94% | ||
| FNB - HOMB | 85% Closely correlated | -0.76% | ||
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