Is THFF or UBSI more undervalued in 2026?

CirclFi compares First Financial Corporation (THFF) and United Bankshares, Inc. (UBSI) using 13 institutional-grade valuation models. THFF has a Quality of Company score of 8.6/10 while UBSI scores 7.8/10.

Which is a better buy — THFF or UBSI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do THFF and UBSI valuations compare?

THFF at $69.16 and UBSI at $43.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

THFF vs UBSI Valuation Comparison 2026 — Intrinsic Value Analysis

THFF

Banks - Regional

First Financial Corporation

Quality

8.6

out of 10

Value Trap

SAFE

Price

$69.16

Last close

Models

11/13

Active

UBSI

Banks - Regional

United Bankshares, Inc.

Quality

7.8

out of 10

Value Trap

SAFE

Price

$43.28

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	THFF Fair Value	THFF Upside	UBSI Fair Value	UBSI Upside
Bayesian DCF	Intrinsic	$34.46	-50.2%	$14.32	-66.9%
Earnings Power Value	Intrinsic	$46.93	-32.1%	$41.09	-5.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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THFF vs UBSI — Which Stock Is More Undervalued?

THFF scores higher with a 8.6/10 quality rating vs UBSI's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Financial Corporation (THFF) and United Bankshares, Inc. (UBSI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

THFF currently trades at $69.16 with a QOC of 8.6/10, while UBSI trades at $43.28 with a QOC of 7.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).