Is TRMK or UBSI more undervalued in 2026?

CirclFi compares Trustmark Corporation (TRMK) and United Bankshares, Inc. (UBSI) using 13 institutional-grade valuation models. TRMK has a Quality of Company score of 6.1/10 while UBSI scores 7.8/10.

Which is a better buy — TRMK 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 TRMK and UBSI valuations compare?

TRMK at $44.12 and UBSI at $43.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TRMK vs UBSI Valuation Comparison 2026 — Intrinsic Value Analysis

TRMK

Banks - Regional

Trustmark Corporation

Quality

6.1

out of 10

Value Trap

SAFE

Price

$44.12

Last close

Models

12/13

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	TRMK Fair Value	TRMK Upside	UBSI Fair Value	UBSI Upside
Bayesian DCF	Intrinsic	$15.97	-63.8%	$14.32	-66.9%
Earnings Power Value	Intrinsic	$12.41	-72.3%	$41.09	-5.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TRMK vs UBSI — Which Stock Is More Undervalued?

UBSI scores higher with a 7.8/10 quality rating vs TRMK's 6.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Trustmark Corporation (TRMK) 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.

TRMK currently trades at $44.12 with a QOC of 6.1/10, 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).