UBSI vs. BAC

Last updated Jun 3, 2026

UBSI (United Bankshares, Inc.) and BAC (Bank of America Corporation) are both stocks. Both are in the Financial Services sector — UBSI in Banks - Regional, BAC in Banks - Diversified. Over the past 10 years, UBSI returned 5.24%/yr vs 16.29%/yr for BAC. At a 0.46 correlation, their price movements are largely independent.

Performance

UBSI vs. BAC - Performance Comparison

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

Returns By Period

In the year-to-date period, UBSI achieves a 14.39% return, which is significantly higher than BAC's -4.04% return. Over the past 10 years, UBSI has underperformed BAC with an annualized return of 5.24%, while BAC has yielded a comparatively higher 16.29% annualized return.

UBSI

• 1D: 2.02%
• 1M: -0.41%
• YTD: 14.39%
• 6M: 18.11%
• 1Y: 26.23%
• 3Y*: 15.28%
• 5Y*: 6.44%
• 10Y*: 5.24%

BAC

• 1D: 1.88%
• 1M: -1.43%
• YTD: -4.04%
• 6M: -0.26%
• 1Y: 21.73%
• 3Y*: 25.15%
• 5Y*: 6.41%
• 10Y*: 16.29%

*Multi-year figures are annualized to reflect compound growth (CAGR)

UBSI vs. BAC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UBSI United Bankshares, Inc.	14.39%	6.50%	4.26%	-3.17%	16.06%	16.34%	-11.68%	28.84%	-7.08%	-22.13%
BAC Bank of America Corporation	-4.04%	28.04%	33.85%	4.83%	-23.82%	49.61%	-11.63%	46.19%	-15.00%	35.69%

Correlation

The correlation between UBSI and BAC is 0.55, 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	0.55
Correlation (3Y) Calculated over the trailing 3-year period	0.65
Correlation (5Y) Calculated over the trailing 5-year period	0.65
Correlation (10Y) Calculated over the trailing 10-year period	0.68
Correlation (All Time) Calculated using the full available price history since Mar 27, 1990	0.46

The correlation between UBSI and BAC shifts across timeframes, from 0.46 (all time) to 0.68 (10 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS UBSI : $3.55 BAC : $4.19
PE Ratio UBSI : 12.24 BAC : 12.52
PEG Ratio UBSI : 3.05 BAC : 5.03
PS Ratio UBSI : 4.45 BAC : 2.27
Total Revenue (TTM) UBSI : $1.39B BAC : $174.85B
Gross Profit (TTM) UBSI : $929.90M BAC : $110.47B
EBITDA (TTM) UBSI : $483.25M BAC : $41.74B

Return for Risk

UBSI vs. BAC — Risk / Return Rank

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

UBSI

UBSI Risk / Return Rank: 71
UBSI Sharpe Ratio Rank: 74
UBSI Sortino Ratio Rank: 68
UBSI Omega Ratio Rank: 67
UBSI Calmar Ratio Rank: 72
UBSI Martin Ratio Rank: 75

BAC

BAC Risk / Return Rank: 66
BAC Sharpe Ratio Rank: 72
BAC Sortino Ratio Rank: 64
BAC Omega Ratio Rank: 62
BAC Calmar Ratio Rank: 64
BAC Martin Ratio Rank: 67

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.

UBSI vs. BAC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for United Bankshares, Inc. (UBSI) and Bank of America Corporation (BAC). 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.

	UBSI	BAC	Difference
Sharpe ratio Return per unit of total volatility	1.13	1.02	+0.11
Sortino ratio Return per unit of downside risk	1.69	1.44	+0.25
Omega ratio Gain probability vs. loss probability	1.21	1.18	+0.03
Calmar ratio Return relative to maximum drawdown	1.84	1.20	+0.63
Martin ratio Return relative to average drawdown	4.98	3.13	+1.86
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UBSI vs. BAC - Sharpe Ratio Comparison

The current UBSI Sharpe Ratio is 1.13, which is comparable to the BAC Sharpe Ratio of 1.02. The chart below compares the historical Sharpe Ratios of UBSI and BAC, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	UBSI	BAC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.13	1.02	+0.11
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.23	0.24	-0.01
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.16	0.53	-0.37
Sharpe Ratio (All Time) Calculated using the full available price history	0.28	0.20	+0.08

Drawdowns

UBSI vs. BAC - Drawdown Comparison

The maximum UBSI drawdown since its inception was -62.13%, smaller than the maximum BAC drawdown of -93.10%. Use the drawdown chart below to compare losses from any high point for UBSI and BAC.

Drawdown Indicators

	UBSI	BAC	Difference
Max Drawdown Largest peak-to-trough decline	-62.13%	-93.10%	+30.97%
Max Drawdown (1Y) Largest decline over 1 year	-13.73%	-17.93%	+4.20%
Max Drawdown (3Y) Largest decline over 3 years	-25.77%	-27.51%	+1.74%
Max Drawdown (5Y) Largest decline over 5 years	-38.12%	-46.64%	+8.52%
Max Drawdown (10Y) Largest decline over 10 years	-52.40%	-48.95%	-3.45%
Current Drawdown Current decline from peak	-3.50%	-7.81%	+4.31%
Average Drawdown Average peak-to-trough decline	-13.78%	-28.32%	+14.54%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.06%	6.91%	-1.85%

Volatility

UBSI vs. BAC - Volatility Comparison

The current volatility for United Bankshares, Inc. (UBSI) is 5.39%, while Bank of America Corporation (BAC) has a volatility of 6.54%. This indicates that UBSI experiences smaller price fluctuations and is considered to be less risky than BAC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UBSI	BAC	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.39%	6.54%	-1.15%
Volatility (6M) Calculated over the trailing 6-month period	15.63%	16.12%	-0.49%
Volatility (1Y) Calculated over the trailing 1-year period	23.31%	21.33%	+1.98%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.87%	26.85%	+2.02%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.46%	30.69%	+1.77%

Dividends

UBSI vs. BAC - Dividend Comparison

UBSI's dividend yield for the trailing twelve months is around 3.45%, more than BAC's 2.10% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BAC Bank of America Corporation	2.10%	1.96%	2.28%	2.73%	2.60%	1.75%	2.38%	1.87%	2.19%	1.32%	1.13%	1.19%
UBSI United Bankshares, Inc.	3.45%	3.88%	3.94%	3.86%	3.56%	3.89%	4.32%	3.54%	4.37%	3.83%	2.85%	3.49%

Financials

Frequently Asked Questions

Can I hold both UBSI and BAC in my portfolio?

UBSI and BAC have a correlation of 0.55, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UBSI or BAC?

BAC has higher volatility (6.54%) compared to UBSI (5.39%). In terms of maximum drawdown, UBSI dropped -62.13% vs BAC's -93.10%.

Which has better risk-adjusted returns?

UBSI currently has the higher Sharpe Ratio (1.13 vs 1.02), 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.