UCBI vs. FBP, TCBI, FIBK, CATY, ABCB, IBOC, SFBS, BOH, CVBF, and INDB
Should you be buying United Community Banks stock or one of its competitors? The main competitors of United Community Banks include First BanCorp. (FBP), Texas Capital Bancshares (TCBI), First Interstate BancSystem (FIBK), Cathay General Bancorp (CATY), Ameris Bancorp (ABCB), International Bancshares (IBOC), ServisFirst Bancshares (SFBS), Bank of Hawaii (BOH), CVB Financial (CVBF), and Independent Bank (INDB). These companies are all part of the "state commercial banks" industry.
First BanCorp. (NYSE:FBP) and United Community Banks (NASDAQ:UCBI) are both mid-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, profitability, community ranking, analyst recommendations, valuation, risk, dividends, media sentiment and institutional ownership.
First BanCorp. has a net margin of 26.19% compared to First BanCorp.'s net margin of 14.29%. United Community Banks' return on equity of 21.62% beat First BanCorp.'s return on equity.
First BanCorp. currently has a consensus target price of $16.25, indicating a potential downside of 6.58%. United Community Banks has a consensus target price of $31.80, indicating a potential upside of 22.45%. Given First BanCorp.'s higher probable upside, analysts plainly believe United Community Banks is more favorable than First BanCorp..
First BanCorp. has a beta of 1.16, meaning that its stock price is 16% more volatile than the S&P 500. Comparatively, United Community Banks has a beta of 0.93, meaning that its stock price is 7% less volatile than the S&P 500.
In the previous week, First BanCorp. had 4 more articles in the media than United Community Banks. MarketBeat recorded 7 mentions for First BanCorp. and 3 mentions for United Community Banks. First BanCorp.'s average media sentiment score of 1.41 beat United Community Banks' score of 0.72 indicating that United Community Banks is being referred to more favorably in the news media.
First BanCorp. pays an annual dividend of $0.64 per share and has a dividend yield of 3.7%. United Community Banks pays an annual dividend of $0.92 per share and has a dividend yield of 3.5%. First BanCorp. pays out 37.6% of its earnings in the form of a dividend. United Community Banks pays out 59.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First BanCorp. has raised its dividend for 3 consecutive years and United Community Banks has raised its dividend for 9 consecutive years. First BanCorp. is clearly the better dividend stock, given its higher yield and lower payout ratio.
97.9% of First BanCorp. shares are owned by institutional investors. Comparatively, 82.3% of United Community Banks shares are owned by institutional investors. 2.4% of First BanCorp. shares are owned by insiders. Comparatively, 0.6% of United Community Banks shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
United Community Banks received 25 more outperform votes than First BanCorp. when rated by MarketBeat users. However, 61.30% of users gave First BanCorp. an outperform vote while only 56.64% of users gave United Community Banks an outperform vote.
First BanCorp. has higher earnings, but lower revenue than United Community Banks. First BanCorp. is trading at a lower price-to-earnings ratio than United Community Banks, indicating that it is currently the more affordable of the two stocks.
Summary
First BanCorp. beats United Community Banks on 14 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding UCBI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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