ServisFirst Bancshares, Inc. (SFBS) vs United Community Banks, Inc. (UCB)

ServisFirst Bancshares, Inc. and United Community Banks, Inc. are both Banks Regional companies. ServisFirst Bancshares, Inc. and United Community Banks, Inc. are of similar size ($4.3B and $4.1B). United Community Banks, Inc. trades at the lower P/E: 11.1× against 13.4×. United Community Banks, Inc. grew revenue faster over the last twelve months: 3.25% against 3.06%. ServisFirst Bancshares, Inc. has the higher net margin (30.9% vs 24.0%) and the higher return on invested capital (44.3% vs 7.68%). Both pay a dividend; United Community Banks, Inc. yields more (2.96% vs 1.93%). Across the 19 metrics below, ServisFirst Bancshares, Inc. leads on 10 and United Community Banks, Inc. on 9.

Valuation

Metric SFBS UCB Banks Regional median
P/E 13.41 11.14 11.98
P/S 4.15 2.66 2.34
P/B 2.18 1.10 1.19
Price to free cash flow 9.25 11.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.46% 8.98% 8.23%
Free cash flow yield 10.81% 8.81% 9.08%

Profitability

Metric SFBS UCB Banks Regional median
Gross margin 60.41% 71.94% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.94% 24.00% 18.66%
Free cash flow margin 44.91% 23.39% 21.11%
Return on equity 17.33% 10.20% 10.65%
Return on assets 1.80% 1.30% 1.13%
Return on invested capital 44.30% 7.68% 8.35%

Growth

Metric SFBS UCB Banks Regional median
Revenue growth (TTM) 3.06% 3.25% 6.98%
EPS growth (last fiscal year) 21.63% 28.43% 18.88%
Revenue growth, 5-year CAGR 19.41% 16.57% 12.38%
Net income growth, 5-year CAGR 10.28% 14.84% 9.71%

Health

Metric SFBS UCB Banks Regional median
Debt to equity 0.02 0.22 0.22
Current ratio 0.98 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SFBS UCB Banks Regional median
Dividend yield 1.93% 2.96% 2.57%
Payout ratio 0.26 0.33 0.30

Size

Metric SFBS UCB Banks Regional median
Market cap 4.32b 4.11b 913.33m

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