Is UBSI or UNB more undervalued in 2026?

CirclFi compares United Bankshares, Inc. (UBSI) and Union Bankshares, Inc. (UNB) using 13 institutional-grade valuation models. UBSI has a Quality of Company score of 7.8/10 while UNB scores 8.7/10.

Which is a better buy — UBSI or UNB?

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 UNB valuations compare?

UBSI at $43.28 and UNB at $23.49 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UBSI vs UNB 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

UNB

Banks - Regional

Union Bankshares, Inc.

Quality

8.7

out of 10

Value Trap

SAFE

Price

$23.49

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	UBSI Fair Value	UBSI Upside	UNB Fair Value	UNB Upside
Bayesian DCF	Intrinsic	$14.32	-66.9%	$20.85	-11.2%
Earnings Power Value	Intrinsic	$41.09	-5.0%	$25.46	+8.4%
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	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for UBSI vs UNB — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

UBSI vs UNB — Which Stock Is More Undervalued?

UNB scores higher with a 8.7/10 quality rating vs UBSI's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing United Bankshares, Inc. (UBSI) and Union Bankshares, Inc. (UNB) 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 UNB trades at $23.49 with a QOC of 8.7/10.

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).