Is UBSI or UMBFO more undervalued in 2026?

CirclFi compares United Bankshares, Inc. (UBSI) and UMB Financial Corporation - Dep (UMBFO) using 13 institutional-grade valuation models. UBSI has a Quality of Company score of 7.8/10 while UMBFO scores 7.7/10.

Which is a better buy — UBSI or UMBFO?

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 UBSI and UMBFO valuations compare?

UBSI at $43.28 and UMBFO at $26.96 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UBSI vs UMBFO Valuation Comparison 2026 — Intrinsic Value Analysis

UBSI

Banks - Regional

United Bankshares, Inc.

Quality

7.8

out of 10

Value Trap

SAFE

Price

$43.28

Last close

Models

12/13

Active

UMBFO

Banks - Regional

UMB Financial Corporation - Dep

Quality

7.7

out of 10

Value Trap

LOW

Price

$26.96

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	UBSI Fair Value	UBSI Upside	UMBFO Fair Value	UMBFO Upside
Bayesian DCF	Intrinsic	$14.32	-66.9%	—	—
Earnings Power Value	Intrinsic	$41.09	-5.0%	—	—
EROIC Spread	Intrinsic	$28.87	-33.3%	$132.71	+392.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$4.06	-90.6%	$27.89	+3.5%
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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UBSI vs UMBFO — Which Stock Is More Undervalued?

UBSI scores higher with a 7.8/10 quality rating vs UMBFO's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing United Bankshares, Inc. (UBSI) and UMB Financial Corporation - Dep (UMBFO) 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.

UBSI currently trades at $43.28 with a QOC of 7.8/10, while UMBFO trades at $26.96 with a QOC of 7.7/10.

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).