UBSI vs. ALLY
UBSI (United Bankshares, Inc.) and ALLY (Ally Financial Inc.) are both stocks. Both are in the Financial Services sector — UBSI in Banks - Regional, ALLY in Credit Services. Over the past 10 years, UBSI returned 6.81%/yr vs 12.48%/yr for ALLY. Their 0.57 correlation means they have sometimes moved together and sometimes differently.
Performance
UBSI vs. ALLY - Performance Comparison
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Returns By Period
In the year-to-date period, UBSI achieves a 28.49% return, which is significantly higher than ALLY's -2.31% return. Over the past 10 years, UBSI has underperformed ALLY with an annualized return of 6.81%, while ALLY has yielded a comparatively higher 12.48% annualized return.
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%
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%
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 |
UBSI vs. ALLY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UBSI United Bankshares, Inc. | 28.49% | 6.50% | 4.26% | -3.17% | 16.06% | 16.34% | -11.68% | 28.84% | -7.08% | -22.13% |
ALLY Ally Financial Inc. | -2.31% | 29.92% | 6.37% | 49.22% | -46.89% | 36.04% | 20.56% | 37.94% | -20.67% | 56.05% |
Correlation
The correlation between UBSI and ALLY 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 UBSI and ALLY has been stable across timeframes, ranging from 0.52 to 0.61 - a consistent structural relationship.
Fundamentals
UBSI:
$6.68B
ALLY:
$13.18B
UBSI:
$3.66
ALLY:
$4.64
UBSI:
13.25
ALLY:
9.33
UBSI:
3.79
ALLY:
0.86
UBSI:
1.23
ALLY:
1.00
UBSI:
$1.80B
ALLY:
$15.84B
UBSI:
$1.22B
ALLY:
$7.87B
UBSI:
$614.62M
ALLY:
$3.03B
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Return for Risk
UBSI vs. ALLY — Risk / Return Rank
UBSI
ALLY
UBSI vs. ALLY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for United Bankshares, Inc. (UBSI) and Ally Financial Inc. (ALLY). 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.
| UBSI | ALLY | 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 | 1.33 | 1.13 | +0.20 |
| Calmar ratioReturn relative to maximum drawdown | 3.05 | 0.82 | +2.23 |
| Martin ratioReturn relative to average drawdown | 8.78 | 2.04 | +6.74 |
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Drawdowns
UBSI vs. ALLY - Drawdown Comparison
The maximum UBSI drawdown since its inception was -62.13%, smaller than the maximum ALLY drawdown of -66.24%. Use the drawdown chart below to compare losses from any high point for UBSI and ALLY.
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Drawdown Indicators
| UBSI | ALLY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -62.13% | -66.24% | +4.11% |
Max Drawdown (1Y)Largest decline over 1 year | -13.73% | -23.04% | +9.31% |
Max Drawdown (3Y)Largest decline over 3 years | -25.77% | -31.60% | +5.83% |
Max Drawdown (5Y)Largest decline over 5 years | -38.12% | -58.08% | +19.96% |
Max Drawdown (10Y)Largest decline over 10 years | -52.40% | -66.24% | +13.84% |
Current DrawdownCurrent decline from peak | -1.12% | -8.38% | +7.26% |
Average DrawdownAverage peak-to-trough decline | -13.72% | -20.18% | +6.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.75% | 9.20% | -4.45% |
Volatility
UBSI vs. ALLY - Volatility Comparison
The current volatility for United Bankshares, Inc. (UBSI) is 5.55%, while Ally Financial Inc. (ALLY) has a volatility of 7.70%. This indicates that UBSI experiences smaller price fluctuations and is considered to be less risky than ALLY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UBSI | ALLY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.55% | 7.70% | -2.15% |
Volatility (6M)Calculated over the trailing 6-month period | 14.86% | 22.43% | -7.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.97% | 29.90% | -6.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.53% | 38.38% | -9.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.35% | 39.36% | -7.01% |
Dividends
UBSI vs. ALLY - Dividend Comparison
UBSI's dividend yield for the trailing twelve months is around 3.12%, less than ALLY's 3.46% 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
UBSI vs. ALLY - Financials Comparison
This section allows you to compare key financial metrics between United Bankshares, Inc. and Ally Financial 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
UBSI vs. ALLY - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
UBSI and ALLY 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, UBSI dropped -62.13% vs ALLY's -66.24%.
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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