United Bankshares (NASDAQ:UBSI – Get Rating) and LINKBANCORP (NASDAQ:LNKB – Get Rating) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.
Valuation & Earnings
This table compares United Bankshares and LINKBANCORP's revenue, earnings per share (EPS) and valuation.
Get United Bankshares alerts:| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| United Bankshares | $1.16 billion | 4.90 | $379.63 million | $2.81 | 14.95 |
| LINKBANCORP | $43.22 million | 2.85 | $5.60 million | N/A | N/A |
United Bankshares has higher revenue and earnings than LINKBANCORP.
Insider and Institutional Ownership
68.7% of United Bankshares shares are owned by institutional investors. Comparatively, 39.8% of LINKBANCORP shares are owned by institutional investors. 4.2% of United Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.Profitability
This table compares United Bankshares and LINKBANCORP's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| United Bankshares | 32.86% | 8.42% | 1.30% |
| LINKBANCORP | 12.95% | 5.49% | 0.59% |
Dividends
United Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 3.4%. LINKBANCORP pays an annual dividend of $0.30 per share and has a dividend yield of 3.6%. United Bankshares pays out 51.2% of its earnings in the form of a dividend.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for United Bankshares and LINKBANCORP, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| United Bankshares | 0 | 2 | 2 | 0 | 2.50 |
| LINKBANCORP | 0 | 2 | 1 | 0 | 2.33 |
United Bankshares presently has a consensus price target of $41.33, suggesting a potential downside of 1.63%. LINKBANCORP has a consensus price target of $8.67, suggesting a potential upside of 5.05%. Given LINKBANCORP's higher probable upside, analysts plainly believe LINKBANCORP is more favorable than United Bankshares.
Summary
United Bankshares beats LINKBANCORP on 10 of the 13 factors compared between the two stocks.
About United Bankshares
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United Bankshares, Inc. is a bank holding company, which engages in the provision of commercial and retail banking services and products. It operates through the following segments: Community Banking, Mortgage Banking, and Other. The Community Banking segment consists of both commercial and consumer lending and provides customers with such products as commercial loans, real estate loans, business financing, and consumer loans. The Mortgage Banking segment focuses on the origination and acquisition of residential mortgages for sale into the secondary market through United's mortgage banking subsidiaries, George Mason and Crescent. The Other segment includes financial information not directly attributable to a specific segment, including interest income from investments and net securities gains or losses of parent companies and their non-banking subsidiaries. The company was founded in 1839 and is headquartered in Charleston, WV.
About LINKBANCORP
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LINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, a full-service state chartered commercial bank in Pennsylvania. The company's deposit products include checking accounts, saving accounts, money market accounts, and certificates of deposits. The company's loan portfolio comprises small business, real estate, agricultural, home equity, consumer lending, commercial, municipal, term, lines of credit, auto, and home mortgage and construction loans. It also provides debit cards, mobile banking, card valet app, e-statements, ATMs, online banking and bill pay, and other services. The company operates through a main office located in Gratz, Pennsylvania, as well as bank offices located in Camp Hill, Gratz, Valley View, Harrisburg, Herndon, Lancaster, Pottsville, Trevorton, West Chester, and Minersville. Pennsylvania. LINKBANCORP, Inc. was incorporated in 2018 and is based in Camp Hill, Pennsylvania.
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