TCBI vs UCB: stock comparison and AI forecast
Texas Capital Bancshares Inc/Tx (TCBI) and United Community Banks Inc (UCB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
TCBI Texas Capital Bancshares Inc/Tx
- Market Cap
- $4.42B
- P/E Ratio
- 12.0x
- Size
- mid-cap
- AI Forecast
UCB United Community Banks Inc
- Market Cap
- $4.54B
- P/E Ratio
- 12.8x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- TCBI and UCB have similar market capitalizations ($4.42B and $4.54B).
- TCBI trades at 12.0 times trailing earnings, UCB at 12.8 times.
- UCB turns 34.0% of its revenue into net income, against 27.3% for TCBI.
- TCBI carries 8.30 times debt per unit of equity, against 6.76 times for UCB.
- UCB yields 2.67% in dividends; TCBI pays none.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | TCBI | UCB |
|---|---|---|
| Market Cap | $4.42B | $4.54B |
| P/E Ratio | 11.97x | 12.80x |
| P/B Ratio | 1.21x | 1.21x |
| Dividend Yield | – | 2.67% |
| EPS | $8.70 | $2.94 |
| Book Value/Share | $85.97 | $31.06 |
| Revenue/Share | $30.20 | $9.21 |
| FCF/Share | $12.22 | $3.00 |
Profitability & Margins
| Metric | TCBI | UCB |
|---|---|---|
| ROE | 9.4% | 10.1% |
| ROA | – | 1.3% |
| Net Margin | 27.3% | 34.0% |
| EBT Margin | 37.7% | 44.0% |
| Tax Rate | 23.5% | 22.6% |
Financial Health
| Metric | TCBI | UCB |
|---|---|---|
| D/E Ratio | 8.30x | 6.76x |
| Financial Leverage | – | 7.76x |
Cash Flow
| Metric | TCBI | UCB |
|---|---|---|
| Operating Cash Flow | $529M | $388M |
| Free Cash Flow | $519M | $361M |
| Capital Spending | -$10M | -$27M |
| OCF Growth YoY | 113.2% | 10.6% |
| FCF Growth YoY | 127.7% | 13.1% |
| FCF/Sales | 40.5% | 32.5% |
| CapEx/Sales | 0.8% | 2.5% |
Operational Efficiency
| Metric | TCBI | UCB |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | 14.4x | 2.8x |
Income Statement
| Metric | TCBI | UCB |
|---|---|---|
| Total Revenue | $1.28B | $1.11B |
| Net Income | $344M | $378M |
Dividend & Shareholder Information
| Metric | TCBI | UCB |
|---|---|---|
| Dividends Per Share | – | $1.01 |
| Payout Ratio | – | 34.4% |
| Shares Outstanding | 42M | 121M |
| Net Income Growth | 14.6% | 38.3% |
| EPS Growth | 54.0% | 38.0% |
TCBI vs UCB: stock comparison and AI forecast
Which is bigger, TCBI or UCB?
TCBI and UCB have similar market capitalizations ($4.42B and $4.54B).
Which is cheaper on earnings, TCBI or UCB?
TCBI trades at 12.0 times trailing earnings, UCB at 12.8 times.
Which one does Intratio's AI model rank higher, TCBI or UCB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.