United Community Banks, Inc. (UCB)vsU.S. Bancorp (USB)
UCB
United Community Banks, Inc.
$35.51
-0.53%
FINANCIAL SERVICES · Cap: $4.24B
USB
U.S. Bancorp
$63.94
+0.20%
FINANCIAL SERVICES · Cap: $100.05B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2365% more annual revenue ($27.32B vs $1.11B). UCB leads profitability with a 34.1% profit margin vs 29.9%. UCB appears more attractively valued with a PEG of 1.67. UCB earns a higher WallStSmart Score of 79/100 (B+).
UCB
Strong Buy79
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Earnings expanding 50.8% YoY
Conservative balance sheet, low leverage
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UCB
The strongest argument for UCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.1% and operating margin at 50.9%. Revenue growth of 24.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : UCB
The primary concerns for UCB are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
UCB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
UCB is growing revenue faster at 24.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
UCB scores higher overall (79/100 vs 75/100), backed by strong 34.1% margins and 24.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
United Community Banks, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Community Banks, Inc. (UCB), based in Blairsville, Georgia, is a prominent regional banking institution offering a diverse array of financial services, including commercial banking, retail banking, mortgage lending, and wealth management, primarily throughout the Southeastern United States. With a strategic focus on community involvement and growth through selective acquisitions, UCB is well-positioned for long-term profitability and development. The company's robust risk management practices and unwavering dedication to customer satisfaction solidify its standing as a reliable financial partner for individuals and businesses alike. By fostering innovation while adhering to its foundational values, UCB is set to continue its trajectory of growth in an evolving financial landscape.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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