United Bankshares vs Moelis

United Bankshares vs Moelis: This page compares the two firms’ business models, financial performance, and market context in a clear, neutral way to help readers understand how they operate in the industry. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

UBSI

Metric

$5.68B

Market Cap

$5.86B

-4.39%

Potential Profit

0.52%

Hold

Analyst Rating

Hold

Investment Analysis

United Bankshares

UBSI

Pros

United Bankshares reported record earnings in the third quarter of 2025, driven by a 37% increase in noninterest income compared to the previous quarter.
The company maintains a strong dividend yield of 3.85%, supported by consistent profitability and a stable payout history.
United Bankshares operates with a low beta of 0.81, indicating less volatility than the broader market and potentially lower risk for investors.

Considerations

Analyst consensus is a 'hold' rating, with limited upside forecast and only modest projected price appreciation over the next 12 months.
The company's forward price-to-earnings ratio is below some larger peers, suggesting slower growth expectations relative to the sector.
United Bankshares has underperformed compared to analyst ratings for other finance sector companies, reflecting weaker sentiment among Wall Street analysts.

Moelis

Pros

Moelis & Company has demonstrated strong profitability in recent years, benefiting from high-margin advisory services in mergers and acquisitions.
The firm maintains a lean cost structure and high operating margins, which supports consistent returns for shareholders.
Moelis has a global footprint with offices in key financial centres, providing diversified revenue streams and access to international deal flow.

Considerations

Revenue is highly dependent on market conditions and deal volume, making earnings volatile during periods of economic uncertainty.
The company's business model is sensitive to regulatory changes and competition from larger investment banks, which could pressure margins.
Moelis & Company has a relatively small market capitalisation compared to peers, which may limit liquidity and increase share price volatility.

About The Companies

United Bankshares (UBSI)

United Bankshares, Inc. (UBSI) is a financial holding company operating primarily through its subsidiary, United Bank. It is a significant player in the community banking space, offering a comprehensive suite of financial services to individuals and businesses. These services include standard deposit accounts, personal and commercial loans, real estate and construction lending, and brokerage and trust services. With a network of over 240 locations, the bank has a substantial presence across several US states, including Virginia, Maryland, and the Carolinas. For investors, UBSI represents a regional banking institution with diversified revenue streams. However, like any financial stock, its performance can be influenced by economic cycles, interest rate changes, and regulatory shifts. It's important to remember that past performance is not indicative of future returns, and the value of investments can go down as well as up.

Moelis (MC)

Moelis & Company is a publicly traded, independent investment bank (ticker: MC) that provides financial advisory services globally, including M&A, restructuring, capital markets advice and asset management. Founded in 2007, the firm operates with senior-led teams and targets corporate, sponsor and government clients. With a market capitalisation around $5.42 billion, revenues are largely fee-based and closely tied to deal flow and market activity, so performance tends to be cyclical and sensitive to economic and credit conditions. Strengths include a lean advisory-focused platform, experienced senior bankers and a global footprint that can capture cross-border mandates. Key risks include reduced deal volumes during downturns, competition from larger banks, regulatory and reputational exposure, and sensitivity to capital markets volatility. Investors should review valuation, fee margins, balance-sheet exposure and the announced-deal pipeline. This summary is for educational purposes only and is not personal financial advice; consider your own situation or consult an authorised adviser.

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Comparison Snapshot