Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in United Bankshares, Inc. or Wintrust Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how United Bankshares, Inc. and Wintrust Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About United Bankshares, Inc. and Wintrust Financial Corporation

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Latest Banks and United Bankshares, Inc., Wintrust Financial Corporation Stock News

As of September 4, 2026, United Bankshares, Inc. had a $6.5 billion market capitalization, compared to the Banks median of $767.9 million. United Bankshares, Inc.’s stock is up 23.6% in 2026, up 0.7% in the previous five trading days and up 23.75% in the past year.

Currently, United Bankshares, Inc.’s price-earnings ratio is 13.1. United Bankshares, Inc.’s trailing 12-month revenue is $1.3 billion with a 41.2% net profit margin. Year-over-year quarterly sales growth most recently was 6.3%. Analysts expect adjusted earnings to reach $3.683 per share for the current fiscal year. United Bankshares, Inc. currently has a 3.2% dividend yield.

As of September 4, 2026, Wintrust Financial Corporation had a $10.4 billion market cap, putting it in the 78th percentile of all stocks. Wintrust Financial Corporation’s stock is up 9.7% in 2026, up 2% in the previous five trading days and up 10.24% in the past year.

Currently, Wintrust Financial Corporation’s price-earnings ratio is 12.4. Wintrust Financial Corporation’s trailing 12-month revenue is $2.8 billion with a 32.6% net profit margin. Year-over-year quarterly sales growth most recently was 10.2%. Analysts expect adjusted earnings to reach $13.098 per share for the current fiscal year. Wintrust Financial Corporation currently has a 1.4% dividend yield.

How We Compare United Bankshares, Inc. and Wintrust Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at United Bankshares, Inc. and Wintrust Financial Corporation’s stock grades to see how they measure up against one another.

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United Bankshares, Inc. and Wintrust Financial Corporation Stock Value Grades

Company	Ticker	Value
United Bankshares, Inc.	UBSI	B
Wintrust Financial Corporation	WTFC	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

United Bankshares, Inc. has a Value Score of 64, which is Value. Wintrust Financial Corporation has a Value Score of 70, which is Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both United Bankshares, Inc. and Wintrust Financial Corporation have a Value Grade of B. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

United Bankshares, Inc. and Wintrust Financial Corporation Growth Grades

Company	Ticker	Growth
United Bankshares, Inc.	UBSI	C
Wintrust Financial Corporation	WTFC	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

United Bankshares, Inc. has a Growth Score of 43, which is Average. Wintrust Financial Corporation has a Growth Score of 89, which is Very Strong.

The Growth Grade Winner: Wintrust Financial Corporation

As you can clearly see from the Growth Grade breakdown above, Wintrust Financial Corporation has a more attractive growth grade than United Bankshares, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Wintrust Financial Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

United Bankshares, Inc. and Wintrust Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
United Bankshares, Inc.	UBSI	B
Wintrust Financial Corporation	WTFC	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

United Bankshares, Inc. has a Momentum Score of 61, which is Strong. Wintrust Financial Corporation has a Momentum Score of 45, which is Average.

The Momentum Grade Winner: United Bankshares, Inc.

As you can clearly see from the Momentum Grade breakdown above, United Bankshares, Inc. is considered to have stronger momentum compared to Wintrust Financial Corporation. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, United Bankshares, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other United Bankshares, Inc. and Wintrust Financial Corporation Grades

In addition to Value, Growth and Momentum, A+ Investor also provides grades for Estimate Revisions and Quality.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether United Bankshares, Inc. and Wintrust Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, United Bankshares, Inc. or Wintrust Financial Corporation Stock?

Overall, United Bankshares, Inc. stock has a Value Score of 64, Growth Score of 43 and Momentum Score of 61.

Wintrust Financial Corporation stock has a Value Score of 70, Growth Score of 89 and Momentum Score of 45.

Comparing United Bankshares, Inc. and Wintrust Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.