UBSI vs. SOFI

Last updated Jul 11, 2026

UBSI (United Bankshares, Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — UBSI in Banks - Regional, SOFI in Credit Services. Over the past 5 years, UBSI returned 9.72%/yr vs 2.68%/yr for SOFI. At a 0.32 correlation, their price movements are largely independent.

Performance

UBSI vs. SOFI - Performance Comparison

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

Returns By Period

In the year-to-date period, UBSI achieves a 22.28% return, which is significantly higher than SOFI's -28.27% return.

UBSI

• 1D: 0.39%
• 1M: 1.01%
• 6M: 15.54%
• YTD: 22.28%
• 1Y: 27.40%
• 3Y*: 21.82%
• 5Y*: 9.72%
• 10Y*: 5.77%

SOFI

• 1D: 0.86%
• 1M: 13.27%
• 6M: -31.46%
• YTD: -28.27%
• 1Y: -11.42%
• 3Y*: 27.46%
• 5Y*: 2.68%
• 10Y*: —

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

UBSI vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
UBSI United Bankshares, Inc.	22.28%	6.50%	4.26%	-3.17%	16.06%	16.34%	8.18%
SOFI SoFi Technologies, Inc.	-28.27%	70.00%	54.77%	115.84%	-70.84%	27.09%	13.09%

Correlation

The correlation between UBSI and SOFI is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.17
Correlation (3Y) Calculated over the trailing 3-year period	0.39
Correlation (5Y) Calculated over the trailing 5-year period	0.36
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.32

The correlation between UBSI and SOFI shifts across timeframes, from 0.17 (1 year) to 0.39 (3 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap UBSI : $6.35B SOFI : $24.09B
EPS UBSI : $3.56 SOFI : $0.43
PE Ratio UBSI : 12.95 SOFI : 43.57
PS Ratio UBSI : 4.71 SOFI : 5.31
Total Revenue (TTM) UBSI : $1.39B SOFI : $4.73B
Gross Profit (TTM) UBSI : $929.90M SOFI : $3.39B
EBITDA (TTM) UBSI : $483.25M SOFI : $1.40B

Return for Risk

UBSI vs. SOFI — Risk / Return Rank

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

UBSI

UBSI Risk / Return Rank: 76
UBSI Sharpe Ratio Rank: 78
UBSI Sortino Ratio Rank: 73
UBSI Omega Ratio Rank: 72
UBSI Calmar Ratio Rank: 78
UBSI Martin Ratio Rank: 80

SOFI

SOFI Risk / Return Rank: 38
SOFI Sharpe Ratio Rank: 37
SOFI Sortino Ratio Rank: 37
SOFI Omega Ratio Rank: 36
SOFI Calmar Ratio Rank: 39
SOFI Martin Ratio Rank: 39

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. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for United Bankshares, Inc. (UBSI) and SoFi Technologies, Inc. (SOFI). 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	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	1.09	-0.19	+1.28
Sortino ratio: Return per unit of downside risk	1.63	0.11	+1.52
Omega ratio: Gain probability vs. loss probability	1.21	1.01	+0.19
Calmar ratio: Return relative to maximum drawdown	1.84	-0.20	+2.04
Martin ratio: Return relative to average drawdown	5.12	-0.33	+5.46

UBSI vs. SOFI - Sharpe Ratio Comparison

The current UBSI Sharpe Ratio is 1.09, which is higher than the SOFI Sharpe Ratio of -0.19. The chart below compares the historical Sharpe Ratios of UBSI and SOFI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

UBSI vs. SOFI - Drawdown Comparison

The maximum UBSI drawdown since its inception was -62.13%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for UBSI and SOFI.

Drawdown Indicators

	UBSI	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-62.13%	-83.32%	+21.19%
Max Drawdown (1Y) Largest decline over 1 year	-13.73%	-52.96%	+39.23%
Max Drawdown (3Y) Largest decline over 3 years	-25.77%	-52.96%	+27.19%
Max Drawdown (5Y) Largest decline over 5 years	-38.12%	-81.54%	+43.42%
Max Drawdown (10Y) Largest decline over 10 years	-52.40%	—	—
Current Drawdown Current decline from peak	-1.77%	-41.70%	+39.93%
Average Drawdown Average peak-to-trough decline	-13.74%	-51.12%	+37.38%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.00%	31.24%	-26.24%

Volatility

UBSI vs. SOFI - Volatility Comparison

The current volatility for United Bankshares, Inc. (UBSI) is 5.74%, while SoFi Technologies, Inc. (SOFI) has a volatility of 13.00%. This indicates that UBSI experiences smaller price fluctuations and is considered to be less risky than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UBSI	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.74%	13.00%	-7.26%
Volatility (6M) Calculated over the trailing 6-month period	16.22%	37.35%	-21.13%
Volatility (1Y) Calculated over the trailing 1-year period	23.21%	55.57%	-32.36%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.61%	66.42%	-37.81%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.35%	71.62%	-39.27%

Dividends

UBSI vs. SOFI - Dividend Comparison

UBSI's dividend yield for the trailing twelve months is around 3.27%, while SOFI has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
UBSI United Bankshares, Inc.	3.27%	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 SOFI in my portfolio?

UBSI and SOFI have a correlation of 0.17, 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 SOFI?

SOFI has higher volatility (13.00%) compared to UBSI (5.74%). In terms of maximum drawdown, UBSI dropped -62.13% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

UBSI currently has the higher Sharpe Ratio (1.09 vs -0.19), 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.