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INDB vs UBSI
Which Stock Would AI Choose? Independent Bank Corp. (INDB) vs. United Bankshares, Inc. (UBSI) Stock Comparison
Key Takeaways
- UBSI outperforms INDB in year-to-date (YTD) gains at +17.02% versus +7.60%, reflecting stronger recent momentum in regional banking.
- Both stocks offer comparable dividend yields near 3.3%, appealing to income-focused investors, with UBSI at 3.37% and INDB at 3.28%.
- UBSI boasts a larger market capitalization of $6.22 billion compared to INDB's $3.79 billion, alongside superior return on equity (ROE, a measure of profitability relative to shareholders' equity) at 8.86% versus 7.32%.
- Recent quarterly results highlight net interest margin (NIM, the difference between interest income and expense) expansion for both, with INDB up 13 basis points and UBSI achieving record net interest income (NII).
- UBSI exhibits lower volatility with a beta of 0.75 versus INDB's 0.81, suiting risk-averse portfolios.
Introduction
Independent Bank Corp. (INDB) and United Bankshares, Inc. (UBSI) represent regional banks navigating a dynamic interest rate landscape and economic shifts. INDB focuses on commercial and retail banking in New England, while UBSI operates across multiple Mid-Atlantic and Southeastern states with a broader footprint. This stock comparison aids traders seeking relative performance insights and investors eyeing dividend stability amid sector volatility. By examining recent market activity, financial metrics, and growth drivers, readers can assess positioning in the regional banking space.
INDB Overview and Recent Performance
Independent Bank Corp. (INDB) is a Massachusetts-based bank holding company providing commercial banking, wealth management, and small business services primarily in New England. Trading around $78 per share with a market cap of approximately $3.8 billion, the stock has risen within its 52-week range of $52 to $87. Year-to-date gains stand at +7.6%, supported by disciplined pricing in loans and deposits. Recent weeks saw a 13 basis point NIM increase in Q1 2026 results, boosting profitability to a 27.46% profit margin and ROA (return on assets) of 1.08%. Analyst initiation with an Overweight rating and $88 target reflects positive sentiment, though shares have shown modest momentum amid broader regional bank pressures.
UBSI Overview and Recent Performance
United Bankshares, Inc. (UBSI) is a financial holding company with over $34 billion in assets, offering banking services across eight states in the Mid-Atlantic and Southeast. Shares trade near $44.50, with a $6.22 billion market cap, within a 52-week range of $33 to $46. YTD performance reaches +17%, driven by robust revenue growth of 20.9% and record NII of $260 million in recent quarters, expanding NIM by 20 basis points. Key metrics include a 38.65% profit margin, ROE of 8.86%, and ROA of 1.46%, underscoring operational strength. Stable trading volume and consistent dividends have sustained investor interest in recent market activity.
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Head-to-Head Comparison
Both INDB and UBSI operate in regional banking, emphasizing deposits, loans, and fee-based services, but UBSI's multi-state scale contrasts INDB's New England concentration, exposing the latter to localized economic risks. Growth drivers favor UBSI with 29.4% quarterly revenue acceleration versus INDB's steady but slower pace. Recent momentum tilts to UBSI's YTD edge, while risk profiles show UBSI's lower beta and higher liquidity. Sector exposure is similar amid interest rate sensitivity, but UBSI's superior ROE and margins signal better efficiency. Market sentiment remains constructive for both post-earnings, balancing trade-offs in size versus agility.
Tickeron AI Verdict
Tickeron's AI models would likely favor UBSI in the current environment due to its consistent trend strength, elevated profitability metrics like ROE and NIM expansion, and superior relative YTD positioning amid regional bank recovery. INDB offers value through recent analyst support and dividends, but UBSI's scale and momentum provide higher probabilistic upside potential.
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. 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 INDB is a Hold 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).
INDB’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).
- INDB’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.
INDB’s TA Score shows that 5 TA indicator(s) are bullish while UBSI’s TA Score has 5 bullish TA indicator(s).
- INDB’s TA Score: 5 bullish, 5 bearish.
- UBSI’s TA Score: 5 bullish, 4 bearish.
Price Growth
INDB (@Regional Banks) experienced а -3.10% price change this week, while UBSI (@Regional Banks) price change was -3.59% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.86%. For the same industry, the average monthly price growth was +0.99%, and the average quarterly price growth was +17.06%.
Reported Earning Dates
INDB is expected to report earnings on Jul 16, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (-0.86% 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.
| INDB | UBSI | INDB / UBSI | |
| Capitalization | 3.68B | 5.81B | 63% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.168 | 10.838 | 48% |
| P/E Ratio | 15.15 | 11.81 | 128% |
| Revenue | 923M | 1.26B | 73% |
| Total Cash | 203M | 268M | 76% |
| Total Debt | 776M | 626M | 124% |
INDB | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 54 | 61 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 94 Overvalued | 42 Fair valued | |
PROFIT vs RISK RATING 1..100 | 87 | 60 | |
SMR RATING 1..100 | 14 | 12 | |
PRICE GROWTH RATING 1..100 | 54 | 52 | |
P/E GROWTH RATING 1..100 | 45 | 66 | |
SEASONALITY SCORE 1..100 | n/a | 50 |
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 (42) in the Regional Banks industry is somewhat better than the same rating for INDB (94). This means that UBSI’s stock grew somewhat faster than INDB’s over the last 12 months.
UBSI's Profit vs Risk Rating (60) in the Regional Banks industry is in the same range as INDB (87). This means that UBSI’s stock grew similarly to INDB’s over the last 12 months.
UBSI's SMR Rating (12) in the Regional Banks industry is in the same range as INDB (14). This means that UBSI’s stock grew similarly to INDB’s over the last 12 months.
UBSI's Price Growth Rating (52) in the Regional Banks industry is in the same range as INDB (54). This means that UBSI’s stock grew similarly to INDB’s over the last 12 months.
INDB's P/E Growth Rating (45) in the Regional Banks industry is in the same range as UBSI (66). This means that INDB’s stock grew similarly to UBSI’s over the last 12 months.
| INDB | UBSI | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 73% | 1 day ago 81% |
| Stochastic ODDS (%) | 1 day ago 50% | 1 day ago 56% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 65% |
| MACD ODDS (%) | 1 day ago 65% | 1 day ago 65% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 60% |
| TrendMonth ODDS (%) | 1 day ago 66% | 1 day ago 59% |
| Advances ODDS (%) | 9 days ago 61% | 9 days ago 52% |
| Declines ODDS (%) | 4 days ago 71% | 1 day ago 57% |
| BollingerBands ODDS (%) | 1 day ago 55% | 1 day ago 63% |
| Aroon ODDS (%) | 1 day ago 55% | 1 day ago 52% |
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