UBSI vs. PB

Last updated Jun 3, 2026

UBSI (United Bankshares, Inc.) and PB (Prosperity Bancshares, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, UBSI returned 5.24%/yr vs 5.51%/yr for PB. A 0.64 correlation means they provide meaningful diversification when combined.

Performance

UBSI vs. PB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in United Bankshares, Inc. (UBSI) and Prosperity Bancshares, Inc. (PB). 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 PB's 0.25% return. Over the past 10 years, UBSI has underperformed PB with an annualized return of 5.24%, while PB has yielded a comparatively higher 5.51% 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%

PB

• 1D: 1.84%
• 1M: -0.98%
• YTD: 0.25%
• 6M: 1.06%
• 1Y: 2.93%
• 3Y*: 8.13%
• 5Y*: 0.95%
• 10Y*: 5.51%

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

UBSI vs. PB - 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%
PB Prosperity Bancshares, Inc.	0.25%	-5.15%	15.06%	-3.34%	3.64%	7.13%	-0.27%	18.19%	-9.22%	-0.37%

Correlation

The correlation between UBSI and PB 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 13, 1998	0.64

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

Fundamentals

EPS UBSI : $3.55 PB : $5.50
PE Ratio UBSI : 12.24 PB : 12.48
PEG Ratio UBSI : 3.05 PB : 7.96
PS Ratio UBSI : 4.45 PB : 5.11
Total Revenue (TTM) UBSI : $1.39B PB : $1.29B
Gross Profit (TTM) UBSI : $929.90M PB : $930.60M
EBITDA (TTM) UBSI : $483.25M PB : $674.35M

Return for Risk

UBSI vs. PB — 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

PB

PB Risk / Return Rank: 41
PB Sharpe Ratio Rank: 44
PB Sortino Ratio Rank: 37
PB Omega Ratio Rank: 37
PB Calmar Ratio Rank: 43
PB Martin Ratio Rank: 42

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. PB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for United Bankshares, Inc. (UBSI) and Prosperity Bancshares, Inc. (PB). 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	PB	Difference
Sharpe ratio Return per unit of total volatility	1.13	0.13	+1.00
Sortino ratio Return per unit of downside risk	1.69	0.33	+1.37
Omega ratio Gain probability vs. loss probability	1.21	1.04	+0.17
Calmar ratio Return relative to maximum drawdown	1.84	0.12	+1.71
Martin ratio Return relative to average drawdown	4.98	0.24	+4.75
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. PB - Sharpe Ratio Comparison

The current UBSI Sharpe Ratio is 1.13, which is higher than the PB Sharpe Ratio of 0.13. The chart below compares the historical Sharpe Ratios of UBSI and PB, 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	PB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.13	0.13	+1.00
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.23	0.04	+0.19
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.16	0.18	-0.02
Sharpe Ratio (All Time) Calculated using the full available price history	0.28	0.36	-0.08

Drawdowns

UBSI vs. PB - Drawdown Comparison

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

Drawdown Indicators

	UBSI	PB	Difference
Max Drawdown Largest peak-to-trough decline	-62.13%	-47.89%	-14.24%
Max Drawdown (1Y) Largest decline over 1 year	-13.73%	-16.45%	+2.72%
Max Drawdown (3Y) Largest decline over 3 years	-25.77%	-24.84%	-0.93%
Max Drawdown (5Y) Largest decline over 5 years	-38.12%	-34.37%	-3.75%
Max Drawdown (10Y) Largest decline over 10 years	-52.40%	-42.24%	-10.16%
Current Drawdown Current decline from peak	-3.50%	-15.16%	+11.66%
Average Drawdown Average peak-to-trough decline	-13.78%	-10.73%	-3.05%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.06%	8.54%	-3.48%

Volatility

UBSI vs. PB - Volatility Comparison

The current volatility for United Bankshares, Inc. (UBSI) is 5.39%, while Prosperity Bancshares, Inc. (PB) has a volatility of 6.02%. This indicates that UBSI experiences smaller price fluctuations and is considered to be less risky than PB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UBSI	PB	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.39%	6.02%	-0.63%
Volatility (6M) Calculated over the trailing 6-month period	15.63%	16.75%	-1.12%
Volatility (1Y) Calculated over the trailing 1-year period	23.31%	23.01%	+0.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.87%	25.57%	+3.30%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.46%	30.80%	+1.66%

Dividends

UBSI vs. PB - Dividend Comparison

UBSI's dividend yield for the trailing twelve months is around 3.45%, which matches PB's 3.44% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PB Prosperity Bancshares, Inc.	3.44%	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.	3.45%	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 PB in my portfolio?

UBSI and PB 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.

Which is riskier, UBSI or PB?

PB has higher volatility (6.02%) compared to UBSI (5.39%). In terms of maximum drawdown, UBSI dropped -62.13% vs PB's -47.89%.

Which has better risk-adjusted returns?

UBSI currently has the higher Sharpe Ratio (1.13 vs 0.13), 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.