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PB vs. UBSI
Performance
Return for Risk
Drawdowns
Volatility
Dividends
Financials

Performance

PB vs. UBSI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Prosperity Bancshares, Inc. (PB) and United Bankshares, Inc. (UBSI). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, PB achieves a 4.83% return, which is significantly lower than UBSI's 17.80% return. Over the past 10 years, PB has outperformed UBSI with an annualized return of 6.46%, while UBSI has yielded a comparatively lower 5.85% annualized return.


PB

1D
0.58%
1M
5.70%
YTD
4.83%
6M
1.50%
1Y
8.83%
3Y*
9.95%
5Y*
3.78%
10Y*
6.46%

UBSI

1D
0.52%
1M
6.01%
YTD
17.80%
6M
12.86%
1Y
32.65%
3Y*
16.54%
5Y*
8.40%
10Y*
5.85%
*Multi-year figures are annualized to reflect compound growth (CAGR)

PB vs. UBSI - Yearly Performance Comparison


2026 (YTD)202520242023202220212020201920182017
PB
Prosperity Bancshares, Inc.
4.83%-5.15%15.06%-3.34%3.64%7.13%-0.27%18.19%-9.22%-0.37%
UBSI
United Bankshares, Inc.
17.80%6.50%4.26%-3.17%16.06%16.34%-11.68%28.84%-7.08%-22.13%

Correlation

The correlation between PB and UBSI is 0.77, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.


Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.77

Correlation (3Y)
Calculated over the trailing 3-year period

0.81

Correlation (5Y)
Calculated over the trailing 5-year period

0.81

Correlation (10Y)
Calculated over the trailing 10-year period

0.81

Correlation (All Time)
Calculated using the full available price history since Nov 12, 1998

0.64

The correlation between PB and UBSI shifts across timeframes, from 0.64 (all time) to 0.81 (3 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS

PB:

$5.50

UBSI:

$3.55

PE Ratio

PB:

12.95

UBSI:

12.50

PEG Ratio

PB:

8.26

UBSI:

3.11

PS Ratio

PB:

5.30

UBSI:

4.54

Total Revenue (TTM)

PB:

$1.29B

UBSI:

$1.39B

Gross Profit (TTM)

PB:

$930.60M

UBSI:

$929.90M

EBITDA (TTM)

PB:

$674.35M

UBSI:

$483.25M

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Return for Risk

PB vs. UBSI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PB
PB Risk / Return Rank: 5151
Overall Rank
PB Sharpe Ratio Rank: 5555
Sharpe Ratio Rank
PB Sortino Ratio Rank: 4646
Sortino Ratio Rank
PB Omega Ratio Rank: 4747
Omega Ratio Rank
PB Calmar Ratio Rank: 5454
Calmar Ratio Rank
PB Martin Ratio Rank: 5353
Martin Ratio Rank

UBSI
UBSI Risk / Return Rank: 7979
Overall Rank
UBSI Sharpe Ratio Rank: 8181
Sharpe Ratio Rank
UBSI Sortino Ratio Rank: 7777
Sortino Ratio Rank
UBSI Omega Ratio Rank: 7676
Omega Ratio Rank
UBSI Calmar Ratio Rank: 7979
Calmar Ratio Rank
UBSI Martin Ratio Rank: 8181
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PB vs. UBSI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Prosperity Bancshares, Inc. (PB) 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.


PBUBSIDifference
Sharpe ratioReturn per unit of total volatility

-1.01

Sortino ratioReturn per unit of downside risk

-1.36

Omega ratioGain probability vs. loss probability

1.09

1.26

-0.17

Calmar ratioReturn relative to maximum drawdown

0.54

2.39

-1.85

Martin ratioReturn relative to average drawdown

1.02

6.50

-5.48

PB vs. UBSI - Sharpe Ratio Comparison

The current PB Sharpe Ratio is 0.39, which is lower than the UBSI Sharpe Ratio of 1.40. The chart below compares the historical Sharpe Ratios of PB and UBSI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.


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Drawdowns

PB vs. UBSI - Drawdown Comparison

The maximum PB drawdown since its inception was -47.89%, smaller than the maximum UBSI drawdown of -62.13%. Use the drawdown chart below to compare losses from any high point for PB and UBSI.


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Drawdown Indicators


PBUBSIDifference

Max Drawdown

Largest peak-to-trough decline

-47.89%

-62.13%

+14.24%

Max Drawdown (1Y)

Largest decline over 1 year

-16.45%

-13.73%

-2.72%

Max Drawdown (3Y)

Largest decline over 3 years

-24.84%

-25.77%

+0.93%

Max Drawdown (5Y)

Largest decline over 5 years

-34.37%

-38.12%

+3.75%

Max Drawdown (10Y)

Largest decline over 10 years

-42.24%

-52.40%

+10.16%

Current Drawdown

Current decline from peak

-11.29%

-2.69%

-8.60%

Average Drawdown

Average peak-to-trough decline

-10.73%

-13.76%

+3.03%

Ulcer Index

Depth and duration of drawdowns from previous peaks

8.64%

5.03%

+3.61%

Volatility

PB vs. UBSI - Volatility Comparison

The current volatility for Prosperity Bancshares, Inc. (PB) is 5.49%, while United Bankshares, Inc. (UBSI) has a volatility of 6.49%. This indicates that PB experiences smaller price fluctuations and is considered to be less risky 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


PBUBSIDifference

Volatility (1M)

Calculated over the trailing 1-month period

5.49%

6.49%

-1.00%

Volatility (6M)

Calculated over the trailing 6-month period

16.60%

16.06%

+0.54%

Volatility (1Y)

Calculated over the trailing 1-year period

22.98%

23.47%

-0.49%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

25.45%

28.73%

-3.28%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

30.77%

32.48%

-1.71%

Dividends

PB vs. UBSI - Dividend Comparison

PB's dividend yield for the trailing twelve months is around 3.34%, less than UBSI's 3.40% yield.


PositionTTM20252024202320222021202020192018201720162015
PB
Prosperity Bancshares, Inc.
3.34%3.39%3.00%3.26%2.90%2.75%2.70%2.35%2.39%1.97%1.73%2.33%
UBSI
United Bankshares, Inc.
3.40%3.88%3.94%3.86%3.56%3.89%4.32%3.54%4.37%3.83%2.85%3.49%

Financials

PB vs. UBSI - Financials Comparison

This section allows you to compare key financial metrics between Prosperity Bancshares, 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.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.00100.00M200.00M300.00M400.00M500.00M2022202320242025202600
(PB) Total Revenue
(UBSI) Total Revenue
Values in USD except per share items

Frequently Asked Questions


PB and UBSI have a correlation of 0.77, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

UBSI has higher volatility (6.49%) compared to PB (5.49%). In terms of maximum drawdown, PB dropped -47.89% vs UBSI's -62.13%.

UBSI currently has the higher Sharpe Ratio (1.40 vs 0.39), 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.

Portfolio Optimizer

Find the right allocation for PB and UBSI

Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.

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