UCBI vs. FBP, FIBK, ABCB, TCBI, IBOC, CATY, CVBF, BOH, INDB, and COLB
Should you be buying United Community Banks stock or one of its competitors? The main competitors of United Community Banks include First BanCorp. (FBP), First Interstate BancSystem (FIBK), Ameris Bancorp (ABCB), Texas Capital Bancshares (TCBI), International Bancshares (IBOC), Cathay General Bancorp (CATY), CVB Financial (CVBF), Bank of Hawaii (BOH), Independent Bank (INDB), and Columbia Banking System (COLB). These companies are all part of the "regional banks" industry.
First BanCorp. (NYSE:FBP) and United Community Banks (NASDAQ:UCBI) are both mid-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, community ranking, institutional ownership, media sentiment, dividends, risk, analyst recommendations, earnings and valuation.
First BanCorp. has a net margin of 25.82% compared to First BanCorp.'s net margin of 13.62%. United Community Banks' return on equity of 21.58% beat First BanCorp.'s return on equity.
First BanCorp. currently has a consensus price target of $18.00, indicating a potential upside of 0.33%. United Community Banks has a consensus price target of $30.60, indicating a potential upside of 16.44%. Given First BanCorp.'s higher possible upside, analysts plainly believe United Community Banks is more favorable than First BanCorp..
First BanCorp. pays an annual dividend of $0.64 per share and has a dividend yield of 3.6%. United Community Banks pays an annual dividend of $0.92 per share and has a dividend yield of 3.5%. First BanCorp. pays out 36.6% of its earnings in the form of a dividend. United Community Banks pays out 59.7% 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 4 consecutive years and United Community Banks has raised its dividend for 3 consecutive years. First BanCorp. is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
First BanCorp. has a beta of 1.16, suggesting that its share price is 16% more volatile than the S&P 500. Comparatively, United Community Banks has a beta of 0.92, suggesting that its share price is 8% 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 2.06 beat United Community Banks' score of 0.74 indicating that United Community Banks is being referred to more favorably in the news media.
First BanCorp. has higher revenue and earnings 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.
97.9% of First BanCorp. shares are owned by institutional investors. Comparatively, 82.3% of United Community Banks shares are owned by institutional investors. 2.5% of First BanCorp. shares are owned by company insiders. Comparatively, 0.5% of United Community Banks shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
United Community Banks received 24 more outperform votes than First BanCorp. when rated by MarketBeat users. However, 61.26% of users gave First BanCorp. an outperform vote while only 56.43% of users gave United Community Banks an outperform vote.
Summary
First BanCorp. beats United Community Banks on 15 of the 21 factors compared between the two stocks.
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