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FFIN vs UCB: First Financial Bankshares vs United Community Banks, Inc.

First Financial Bankshares (FFIN) and United Community Banks, Inc. (UCB) on Torvanta's measures: FFIN grades higher on 0 of the 4 factor families and UCB on 4.

FFINUCB
Value gradeD+C+
Growth gradeC+B
Profitability graden/aC+
Momentum gradeD+B+
Market value$4.3B$4.3B
P/E (trailing)16.1x11.6x
Forward P/E (Torvanta model estimate)SubscribersSubscribers
Revenue, last 12 monthsn/a$1.1B
Revenue growth (y/y)n/a+17%
Operating marginn/an/a
Return on invested capitaln/an/a
Free-cash-flow yield7.5%8.4%
Total return, 1 year-4.0%+20.0%
Total return, 3 yearsn/an/a

Full FFIN analysis · Full UCB analysis

Frequently asked questions

Which is better, FFIN or UCB?

First Financial Bankshares (FFIN) and United Community Banks, Inc. (UCB) on Torvanta's measures: FFIN grades higher on 0 of the 4 factor families and UCB on 4. Which fits an investor depends on their goals; this is research, not a recommendation. Subscribers see where the model ranks each and its expected return.

Which is cheaper, FFIN or UCB?

On trailing earnings FFIN trades at 16.1x and UCB at 11.6x; their value grades are D+ and C+ against their sectors.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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