United Community Banks (UCBI) Competitors

First BanCorp. (NYSE:FBP) and United Community Banks (NASDAQ:UCBI) are both mid-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, profitability, analyst recommendations, dividends, media sentiment, institutional ownership, community ranking and risk.

Which has more risk and volatility, FBP or UCBI?

First BanCorp. has a beta of 1.16, indicating that its stock price is 16% more volatile than the S&P 500. Comparatively, United Community Banks has a beta of 0.92, indicating that its stock price is 8% less volatile than the S&P 500.

Is FBP or UCBI a better dividend stock?

First BanCorp. pays an annual dividend of $0.64 per share and has a dividend yield of 3.5%. United Community Banks pays an annual dividend of $0.92 per share and has a dividend yield of 3.4%. 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 increased its dividend for 5 consecutive years and United Community Banks has increased its dividend for 9 consecutive years. First BanCorp. is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media favor FBP or UCBI?

In the previous week, United Community Banks had 1 more articles in the media than First BanCorp.. MarketBeat recorded 4 mentions for United Community Banks and 3 mentions for First BanCorp.. First BanCorp.'s average media sentiment score of 1.02 beat United Community Banks' score of 0.83 indicating that United Community Banks is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First BanCorp.	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
United Community Banks	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community prefer FBP or UCBI?

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.

Company	Underperform	Outperform
First BanCorp.	Outperform Votes 283 61.26%	Underperform Votes 179 38.74%
United Community Banks	Outperform Votes 307 56.43%	Underperform Votes 237 43.57%

Which has preferable earnings & valuation, FBP or UCBI?

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First BanCorp.	$1.16B	2.65	$302.86M	$1.75	10.34
United Community Banks	$1.31B	2.45	$187.54M	$1.54	17.51

Do analysts rate FBP or UCBI?

First BanCorp. presently has a consensus target price of $18.00, suggesting a potential downside of 0.50%. United Community Banks has a consensus target price of $30.60, suggesting a potential upside of 13.50%. Given First BanCorp.'s higher possible upside, analysts plainly believe United Community Banks is more favorable than First BanCorp..

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First BanCorp.	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
United Community Banks	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40

Do institutionals and insiders have more ownership in FBP or UCBI?

97.9% of First BanCorp. shares are held by institutional investors. Comparatively, 82.3% of United Community Banks shares are held by institutional investors. 2.5% of First BanCorp. shares are held by company insiders. Comparatively, 0.5% of United Community Banks shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Is FBP or UCBI more profitable?

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.

Company	Net Margins	Return on Equity	Return on Assets
First BanCorp.	25.82%	21.58%	1.62%
United Community Banks	13.62%	8.02%	0.93%

Summary

First BanCorp. beats United Community Banks on 13 of the 21 factors compared between the two stocks.