ALLY vs. UBSI
ALLY (Ally Financial Inc.) and UBSI (United Bankshares, Inc.) are both stocks. Both are in the Financial Services sector — ALLY in Credit Services, UBSI in Banks - Regional. Over the past 10 years, ALLY returned 12.48%/yr vs 6.81%/yr for UBSI. Their 0.57 correlation means they have sometimes moved together and sometimes differently.
Performance
ALLY vs. UBSI - Performance Comparison
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Returns By Period
In the year-to-date period, ALLY achieves a -2.31% return, which is significantly lower than UBSI's 28.49% return. Over the past 10 years, ALLY has outperformed UBSI with an annualized return of 12.48%, while UBSI has yielded a comparatively lower 6.81% annualized return.
ALLY
- 1D
- 0.35%
- 1M
- -3.73%
- 6M
- 4.64%
- YTD
- -2.31%
- 1Y
- 20.40%
- 3Y*
- 16.21%
- 5Y*
- -0.06%
- 10Y*
- 12.48%
- ALL TIME*
- 7.27%
UBSI
- 1D
- 0.19%
- 1M
- 4.46%
- 6M
- 16.56%
- YTD
- 28.49%
- 1Y
- 43.61%
- 3Y*
- 18.34%
- 5Y*
- 11.44%
- 10Y*
- 6.81%
- ALL TIME*
- 10.10%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $165.06M | $142.68M | $142.68M | |
| $53.99M | $49.83M | $44.47M |
ALLY vs. UBSI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | -2.31% | 29.92% | 6.37% | 49.22% | -46.89% | 36.04% | 20.56% | 37.94% | -20.67% | 56.05% |
UBSI United Bankshares, Inc. | 28.49% | 6.50% | 4.26% | -3.17% | 16.06% | 16.34% | -11.68% | 28.84% | -7.08% | -22.13% |
Correlation
The correlation between ALLY and UBSI is 0.52, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.52 |
Correlation (3Y) Balances recent behavior with more history. | 0.59 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.59 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.61 |
Correlation (All Time) Calculated using the full available price history since Apr 10, 2014 | 0.57 |
The correlation between ALLY and UBSI has been stable across timeframes, ranging from 0.52 to 0.61 - a consistent structural relationship.
Fundamentals
ALLY:
$13.18B
UBSI:
$6.68B
ALLY:
$4.64
UBSI:
$3.66
ALLY:
9.33
UBSI:
13.25
ALLY:
0.86
UBSI:
3.79
ALLY:
1.00
UBSI:
1.23
ALLY:
$15.84B
UBSI:
$1.80B
ALLY:
$7.87B
UBSI:
$1.22B
ALLY:
$3.03B
UBSI:
$614.62M
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Return for Risk
ALLY vs. UBSI — Risk / Return Rank
ALLY
UBSI
ALLY vs. UBSI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Ally Financial Inc. (ALLY) and United Bankshares, Inc. (UBSI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ALLY | UBSI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.19 | ||
| Sortino ratioReturn per unit of downside risk | -1.46 | ||
| Omega ratioGain probability vs. loss probability | 1.13 | 1.33 | -0.20 |
| Calmar ratioReturn relative to maximum drawdown | 0.82 | 3.05 | -2.23 |
| Martin ratioReturn relative to average drawdown | 2.04 | 8.78 | -6.74 |
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Drawdowns
ALLY vs. UBSI - Drawdown Comparison
The maximum ALLY drawdown since its inception was -66.24%, which is greater than UBSI's maximum drawdown of -62.13%. Use the drawdown chart below to compare losses from any high point for ALLY and UBSI.
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Drawdown Indicators
| ALLY | UBSI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.24% | -62.13% | -4.11% |
Max Drawdown (1Y)Largest decline over 1 year | -23.04% | -13.73% | -9.31% |
Max Drawdown (3Y)Largest decline over 3 years | -31.60% | -25.77% | -5.83% |
Max Drawdown (5Y)Largest decline over 5 years | -58.08% | -38.12% | -19.96% |
Max Drawdown (10Y)Largest decline over 10 years | -66.24% | -52.40% | -13.84% |
Current DrawdownCurrent decline from peak | -8.38% | -1.12% | -7.26% |
Average DrawdownAverage peak-to-trough decline | -20.18% | -13.72% | -6.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.20% | 4.75% | +4.45% |
Volatility
ALLY vs. UBSI - Volatility Comparison
Ally Financial Inc. (ALLY) has a higher volatility of 7.70% compared to United Bankshares, Inc. (UBSI) at 5.55%. This indicates that ALLY's price experiences larger fluctuations and is considered to be riskier than UBSI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ALLY | UBSI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.70% | 5.55% | +2.15% |
Volatility (6M)Calculated over the trailing 6-month period | 22.43% | 14.86% | +7.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.90% | 22.97% | +6.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.38% | 28.53% | +9.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.36% | 32.35% | +7.01% |
Dividends
ALLY vs. UBSI - Dividend Comparison
ALLY's dividend yield for the trailing twelve months is around 3.46%, more than UBSI's 3.12% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 2.77% | 2.65% | 3.33% | 3.44% | 4.91% | 1.85% | 2.13% | 2.23% | 2.47% | 1.37% | 0.84% | 0.00% |
UBSI United Bankshares, Inc. | 3.12% | 3.88% | 3.94% | 3.86% | 3.56% | 3.89% | 4.32% | 3.54% | 4.37% | 3.83% | 2.85% | 3.49% |
Financials
ALLY vs. UBSI - Financials Comparison
This section allows you to compare key financial metrics between Ally Financial Inc. and United Bankshares, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ALLY vs. UBSI - Profitability Comparison
ALLY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported a gross profit of 2.12B and revenue of 4.07B. Therefore, the gross margin over that period was 52.2%.
UBSI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, United Bankshares, Inc. reported a gross profit of 285.31M and revenue of 418.20M. Therefore, the gross margin over that period was 68.2%.
ALLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported an operating income of 537.00M and revenue of 4.07B, resulting in an operating margin of 13.2%.
UBSI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, United Bankshares, Inc. reported an operating income of 125.64M and revenue of 418.20M, resulting in an operating margin of 30.0%.
ALLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Ally Financial Inc. reported a net income of 410.00M and revenue of 4.07B, resulting in a net margin of 10.1%.
UBSI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, United Bankshares, Inc. reported a net income of 131.38M and revenue of 418.20M, resulting in a net margin of 31.4%.
Frequently Asked Questions
ALLY and UBSI have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ALLY has higher volatility (7.70%) compared to UBSI (5.55%). In terms of maximum drawdown, ALLY dropped -66.24% vs UBSI's -62.13%.
UBSI currently has the higher Sharpe Ratio (1.82 vs 0.63), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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