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SFBS vs UBSI
Which Stock Would AI Choose? ServisFirst Bancshares (SFBS) vs. United Bankshares (UBSI) Stock Comparison
Key Takeaways
- Both SFBS and UBSI are regional banks benefiting from recent net interest margin (NIM, the difference between interest income and expense) expansions amid stabilizing rates.
- UBSI shows stronger recent momentum with 17% YTD gains versus SFBS's 10%, alongside a higher dividend yield of 3.37%.
- SFBS reported robust Q1 2026 results with 20.6% revenue growth and EPS beat, driving positive sentiment.
- UBSI boasts a larger market cap ($6.2B vs. $4.3B) and superior 1-year return of 38% compared to SFBS's 14%.
- Investor interest focuses on relative performance in a sector facing loan growth pressures and deposit competition.
Introduction
In the regional banking sector, SFBS and UBSI represent compelling options for investors navigating interest rate dynamics and economic shifts. Both operate as holding companies for community-focused banks in the Southeast and Mid-Atlantic, offering exposure to commercial real estate loans, deposits, and treasury services. This comparison aids dividend-oriented investors seeking yield stability and growth traders eyeing momentum, highlighting contrasts in scale, performance, and market positioning amid recent earnings cycles and sector rotations.
SFBS Overview and Recent Performance
ServisFirst Bancshares (SFBS), headquartered in Birmingham, Alabama, is the holding company for ServisFirst Bank, emphasizing commercial, real estate, and consumer lending primarily in the Southeast. In recent market activity, SFBS delivered strong Q1 2026 results, with net income of $83 million, EPS of $1.54 beating estimates, and revenue up 20.6% year-over-year to $159 million. NIM expanded to 3.53%, supported by loan and deposit growth. The stock has climbed around 7-8% over recent weeks, reflecting optimism ahead and post-earnings, though trading near $78 amid broader financial sector volatility. Sentiment benefits from efficient operations and a focus on high-growth markets, despite revenue slightly missing consensus.
UBSI Overview and Recent Performance
United Bankshares (UBSI), based in Charleston, West Virginia, operates a multi-state network providing commercial, retail banking, and trust services across the Mid-Atlantic and Southeast. Recent weeks have seen UBSI gain over 13% in the past month, trading around $44.50, buoyed by record 2025 earnings of $465 million and strong asset quality post-merger integration. Dividend yield stands at 3.37%, with Q1 2026 earnings anticipated soon. Momentum stems from robust revenue growth (up 19% in 2025) and resilient deposits, positioning it favorably as peers face funding pressures. Market sentiment underscores its scale and consistent payouts.
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Head-to-Head Comparison
Both SFBS and UBSI pursue similar business models as regional banks, centered on NIM-driven revenue from loans and deposits, with exposure to commercial real estate and community lending. UBSI edges in scale with a $6.2 billion market cap versus $4.3 billion, broader geographic footprint, and higher dividend yield (3.37% vs. 1.95%), appealing to income investors. Growth drivers differ: SFBS leverages aggressive loan expansion in high-growth areas, while UBSI emphasizes merger synergies and asset quality. Recent momentum favors UBSI (17% YTD vs. 10%), though SFBS shows superior P/E efficiency (15.4 vs. 13.6). Risk factors include shared sector headwinds like non-performing loans (NPLs, loans not generating interest) and rate sensitivity, but UBSI exhibits lower volatility. Sentiment tilts toward UBSI for stability amid economic uncertainty.
Tickeron AI Verdict
Tickeron’s AI currently leans toward UBSI, driven by superior trend consistency, 38% 1-year returns outpacing SFBS, attractive yield, and pre-earnings momentum. While SFBS offers growth potential via earnings beats, UBSI’s relative stability and catalysts position it probabilistically stronger in the near term for trend-following models.
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 SFBS is a StrongBuy 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).
SFBS’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).
- SFBS’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.
SFBS’s TA Score shows that 6 TA indicator(s) are bullish while UBSI’s TA Score has 5 bullish TA indicator(s).
- SFBS’s TA Score: 6 bullish, 4 bearish.
- UBSI’s TA Score: 5 bullish, 4 bearish.
Price Growth
SFBS (@Regional Banks) experienced а +1.56% price change this week, while UBSI (@Regional Banks) price change was +0.55% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
SFBS is expected to report earnings on Jul 20, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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.
| SFBS | UBSI | SFBS / UBSI | |
| Capitalization | 4.53B | 6.24B | 73% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.320 | 19.182 | 80% |
| P/E Ratio | 13.84 | 12.59 | 110% |
| Revenue | 583M | 1.26B | 46% |
| Total Cash | 95.1M | 269M | 35% |
| Total Debt | 34.8M | 626M | 6% |
SFBS | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 85 Overvalued | 37 Fair valued | |
PROFIT vs RISK RATING 1..100 | 75 | 55 | |
SMR RATING 1..100 | 31 | 23 | |
PRICE GROWTH RATING 1..100 | 48 | 46 | |
P/E GROWTH RATING 1..100 | 73 | 57 | |
SEASONALITY SCORE 1..100 | 85 | 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 (37) in the Regional Banks industry is somewhat better than the same rating for SFBS (85). This means that UBSI’s stock grew somewhat faster than SFBS’s over the last 12 months.
UBSI's Profit vs Risk Rating (55) in the Regional Banks industry is in the same range as SFBS (75). This means that UBSI’s stock grew similarly to SFBS’s over the last 12 months.
UBSI's SMR Rating (23) in the Regional Banks industry is in the same range as SFBS (31). This means that UBSI’s stock grew similarly to SFBS’s over the last 12 months.
UBSI's Price Growth Rating (46) in the Regional Banks industry is in the same range as SFBS (48). This means that UBSI’s stock grew similarly to SFBS’s over the last 12 months.
UBSI's P/E Growth Rating (57) in the Regional Banks industry is in the same range as SFBS (73). This means that UBSI’s stock grew similarly to SFBS’s over the last 12 months.
| SFBS | UBSI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | 2 days ago 75% |
| Stochastic ODDS (%) | 2 days ago 66% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 70% | 2 days ago 56% |
| MACD ODDS (%) | 2 days ago 73% | 2 days ago 55% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 59% | 2 days ago 49% |
| Advances ODDS (%) | 2 days ago 61% | 2 days ago 52% |
| Declines ODDS (%) | 27 days ago 59% | 27 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 62% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 47% | 2 days ago 43% |
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SFBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, SFBS has been closely correlated with SFNC. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFBS jumps, then SFNC could also see price increases.
| Ticker / NAME | Correlation To SFBS | 1D Price Change % | ||
|---|---|---|---|---|
| SFBS | 100% | +1.81% | ||
| SFNC - SFBS | 83% Closely correlated | +1.28% | ||
| UBSI - SFBS | 82% Closely correlated | +1.17% | ||
| TRMK - SFBS | 81% Closely correlated | +0.90% | ||
| UCB - SFBS | 80% Closely correlated | +1.61% | ||
| CATY - SFBS | 80% Closely correlated | +1.42% | ||
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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% | +1.17% | ||
| AUB - UBSI | 90% Closely correlated | +1.17% | ||
| UCB - UBSI | 89% Closely correlated | +1.61% | ||
| TRMK - UBSI | 89% Closely correlated | +0.90% | ||
| FULT - UBSI | 89% Closely correlated | +0.66% | ||
| CATY - UBSI | 88% Closely correlated | +1.42% | ||
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