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Macro Bank Inc. (BMA) vs United Community Banks, Inc. (UCB)

Macro Bank Inc. and United Community Banks, Inc. are both Banks Regional companies. Macro Bank Inc. and United Community Banks, Inc. are of similar size ($4.1B and $4.1B). United Community Banks, Inc. trades at the lower P/E: 11.1× against 14.0×. Macro Bank Inc. grew revenue faster over the last twelve months: 13.9% against 3.25%. United Community Banks, Inc. has the higher net margin (24.0% vs 6.18%) and the lower return on invested capital (7.68% vs 8.33%). Both pay a dividend; Macro Bank Inc. yields more (6.47% vs 2.96%). Across the 19 metrics below, United Community Banks, Inc. leads on 10 and Macro Bank Inc. on 9.

Valuation

Metric BMA UCB Banks Regional median
P/E 14.01 11.14 11.98
P/S 0.84 2.66 2.34
P/B 0.93 1.10 1.19
Price to free cash flow 3.58 11.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 8.98% 8.23%
Free cash flow yield 27.94% 8.81% 9.08%

Profitability

Metric BMA UCB Banks Regional median
Gross margin 67.78% 71.94% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.18% 24.00% 18.66%
Free cash flow margin 0.00% 23.39% 21.11%
Return on equity 7.08% 10.20% 10.65%
Return on assets 1.73% 1.30% 1.13%
Return on invested capital 8.33% 7.68% 8.35%

Growth

Metric BMA UCB Banks Regional median
Revenue growth (TTM) 13.93% 3.25% 6.98%
EPS growth (last fiscal year) (44.54%) 28.43% 18.88%
Revenue growth, 5-year CAGR 10.36% 16.57% 12.38%
Net income growth, 5-year CAGR (9.01%) 14.84% 9.71%

Health

Metric BMA UCB Banks Regional median
Debt to equity 0.26 0.22 0.22
Current ratio 1.10 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BMA UCB Banks Regional median
Dividend yield 6.47% 2.96% 2.57%
Payout ratio 0.91 0.33 0.30

Size

Metric BMA UCB Banks Regional median
Market cap 4.09b 4.11b 913.33m

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