Enterprise Financial Services vs United Community Banks
EFSC and UCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How EFSC and UCB compare
United Community Banks is the larger company, worth 2.0 times as much as Enterprise Financial Services ($4.5B against $2.2B).
On earnings, Enterprise Financial Services is cheaper: it trades at 12.6× trailing earnings, against 31.7× for United Community Banks.
Enterprise Financial Services grew revenue faster over the last twelve months (5.0% versus −20.6% for United Community Banks).
Enterprise Financial Services keeps more of each dollar of sales as profit, with a net margin of 25.0% compared with 17.8% at United Community Banks.
Both pay dividends: Enterprise Financial Services yields 2.1% and United Community Banks 2.7%.
Enterprise Financial Services scores higher on the StockData Score (13 against 9 for United Community Banks), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | EFSC | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $2.2B | $4.5B |
| Share price | $62.53 | $37.44 |
| Change, 1 year | 16.9% | 24.4% |
| Change, 5 years | 32.0% | 3.8% |
| Beta (5Y) | 0.66 | 0.82 |
| Employees | 805 | 3,070 |
| StockData Score | ||
| Total score | 13 (better) | 9 |
| Valuation score | 2 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 2 (better) | 1 |
| Health score | 4 | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.6× (better) | 31.7× |
| P/S | 3.0× (better) | 5.5× |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 9.5× (better) | 11.2× |
| PEG | – | 24.30 |
| FCF yield | 10.6% (better) | 8.9% |
| Fair value | $60.22 | $24.74 |
| Margin of safety | −3.8% (better) | −51.4% |
| Growth | ||
| Revenue growth (TTM) | 5.0% (better) | −20.6% |
| Revenue growth, 5Y average | 17.9% (better) | 13.0% |
| Net income growth (TTM) | −4.0% (better) | −53.8% |
| EPS growth (TTM) | −2.9% (better) | −53.2% |
| EPS growth, 5Y average | 14.0% (better) | 6.5% |
| Profitability | ||
| Net margin | 25.0% (better) | 17.8% |
| FCF margin | 31.4% | 49.1% (better) |
| Return on equity | 9.6% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.21 (better) | 0.18 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.1% | 2.7% (better) |
| Payout ratio | 26.0% | 83.3% |
| Years of dividend growth | 11 | 11 |
| Dividend growth, 5Y average | 11.1% (better) | 6.4% |
| Buyback yield | 3.9% (better) | 2.6% |
| Shareholder yield | 6.1% (better) | 5.3% |
| Ownership | ||
| Held by institutions | 85.4% | 87.3% |
| Held by insiders | 1.6% | 0.72% |
| Insider net buying, 12 months | −$75.7K (better) | −$2.3M |
| Short interest, % of float | – | 4.8% |
Go deeper
- EFSC stock overview
- EFSC income statement
- EFSC valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.