United Bankshares (NASDAQ:UBSI) & Flagstar Bank, National Association (NYSE:FLG) Head to Head Comparison

Flagstar Bank, National Association (NYSE:FLG) and United Bankshares (NASDAQ:UBSI) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, earnings, profitability, valuation, risk and institutional ownership.

Profitability

This table compares Flagstar Bank, National Association and United Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flagstar Bank, National Association	1.08%	0.98%	0.08%
United Bankshares	27.97%	9.39%	1.53%

Volatility & Risk

Flagstar Bank, National Association has a beta of 1.05, indicating that its share price is 5% more volatile than the S&P 500. Comparatively, United Bankshares has a beta of 0.72, indicating that its share price is 28% less volatile than the S&P 500.

Earnings & Valuation

This table compares Flagstar Bank, National Association and United Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Bank, National Association	$2.09 billion	2.26	-$177.00 million	$0.03	378.53
United Bankshares	$1.28 billion	4.86	$464.60 million	$3.67	12.45

United Bankshares has lower revenue, but higher earnings than Flagstar Bank, National Association. United Bankshares is trading at a lower price-to-earnings ratio than Flagstar Bank, National Association, indicating that it is currently the more affordable of the two stocks.

Dividends

Flagstar Bank, National Association pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. United Bankshares pays an annual dividend of $1.52 per share and has a dividend yield of 3.3%. Flagstar Bank, National Association pays out 133.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. United Bankshares pays out 41.4% of its earnings in the form of a dividend. United Bankshares has increased its dividend for 26 consecutive years. United Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional and Insider Ownership

67.9% of Flagstar Bank, National Association shares are owned by institutional investors. Comparatively, 70.8% of United Bankshares shares are owned by institutional investors. 21.4% of Flagstar Bank, National Association shares are owned by insiders. Comparatively, 3.2% of United Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and target prices for Flagstar Bank, National Association and United Bankshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Bank, National Association	0	4	10	0	2.71
United Bankshares	0	4	3	0	2.43

Flagstar Bank, National Association presently has a consensus price target of $16.38, suggesting a potential upside of 44.20%. United Bankshares has a consensus price target of $47.80, suggesting a potential upside of 4.60%. Given Flagstar Bank, National Association’s stronger consensus rating and higher possible upside, equities analysts plainly believe Flagstar Bank, National Association is more favorable than United Bankshares.

Summary

United Bankshares beats Flagstar Bank, National Association on 10 of the 17 factors compared between the two stocks.

About Flagstar Bank, National Association

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.

About United Bankshares

United Bankshares, Inc., through its subsidiaries, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, student, credit card receivables, personal, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as investment management and retirement planning services. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.