International Bancshares vs United Community Banks
IBOC 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 IBOC and UCB compare
International Bancshares and United Community Banks are about the same size, with market caps of $4.2B and $4.5B.
On earnings, International Bancshares is cheaper: it trades at 10.0× trailing earnings, against 31.6× for United Community Banks.
International Bancshares grew revenue faster over the last twelve months (4.5% versus −20.6% for United Community Banks).
International Bancshares keeps more of each dollar of sales as profit, with a net margin of 48.2% compared with 17.8% at United Community Banks.
Both pay dividends: International Bancshares yields 2.2% and United Community Banks 2.7%.
International Bancshares scores higher on the StockData Score (19 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 | IBOC | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $4.2B | $4.5B |
| Share price | $67.51 | $37.32 |
| Change, 1 year | 2.0% | 23.9% |
| Change, 5 years | 53.5% | 3.5% |
| Beta (5Y) | 0.67 | 0.82 |
| Employees | 2,126 | 3,070 |
| StockData Score | ||
| Total score | 19 (better) | 9 |
| Valuation score | 4 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 5 (better) | 1 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.0× (better) | 31.6× |
| P/S | 4.8× (better) | 5.5× |
| P/B | 1.3× (better) | 1.3× |
| P/FCF | 9.1× (better) | 11.1× |
| PEG | 0.87 (better) | 24.22 |
| FCF yield | 11.0% (better) | 9.0% |
| Fair value | $73.23 | $24.71 |
| Margin of safety | 7.8% (better) | −51.0% |
| Growth | ||
| Revenue growth (TTM) | 4.5% (better) | −20.6% |
| Revenue growth, 5Y average | 9.4% | 13.0% (better) |
| Net income growth (TTM) | −0.27% (better) | −53.8% |
| EPS growth (TTM) | −0.30% (better) | −53.2% |
| EPS growth, 5Y average | 20.4% (better) | 6.5% |
| Profitability | ||
| Net margin | 48.2% (better) | 17.8% |
| FCF margin | 53.3% (better) | 49.1% |
| Return on equity | 13.0% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.55 (better) | 0.18 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.2% | 2.7% (better) |
| Payout ratio | 21.7% | 83.3% |
| Years of dividend growth | 12 (better) | 11 |
| Dividend growth, 5Y average | 4.9% | 6.4% (better) |
| Buyback yield | 0.02% | 2.6% (better) |
| Shareholder yield | 2.2% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 71.2% | 87.3% |
| Held by insiders | 8.7% | 0.72% |
| Insider net buying, 12 months | −$720K (better) | −$2.3M |
| Short interest, % of float | 2.1% | 4.8% |
Go deeper
- IBOC stock overview
- IBOC income statement
- IBOC 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.