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TFS Financial Corporation (TFSL) vs United Community Banks, Inc. (UCB)

TFS Financial Corporation and United Community Banks, Inc. are both Banks Regional companies. TFS Financial Corporation and United Community Banks, Inc. are of similar size ($4.6B and $4.4B). United Community Banks, Inc. trades at the lower P/E: 31.1× against 45.8×. TFS Financial Corporation grew revenue faster over the last twelve months: 5.93% against −18.8%. TFS Financial Corporation has the higher net margin (12.2% vs 11.6%) and the lower return on invested capital (1.12% vs 4.56%). Both pay a dividend; TFS Financial Corporation yields more (7.07% vs 2.73%). Across the 19 metrics below, United Community Banks, Inc. leads on 12 and TFS Financial Corporation on 7.

Valuation

Metric TFSL UCB Banks Regional median
P/E 45.75 31.10 12.02
P/S 5.56 3.58 2.36
P/B 2.35 1.27 1.23
Price to free cash flow 53.23 12.34 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.19% 3.22% 8.21%
Free cash flow yield 1.88% 8.10% 9.23%

Profitability

Metric TFSL UCB Banks Regional median
Gross margin 41.62% 65.95% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.17% 11.59% 18.82%
Free cash flow margin 10.45% 0.00% 17.97%
Return on equity 5.23% 4.07% 10.28%
Return on assets 0.57% 0.51% 1.13%
Return on invested capital 1.12% 4.56% 8.45%

Growth

Metric TFSL UCB Banks Regional median
Revenue growth (TTM) 5.93% (18.82%) 6.37%
EPS growth (last fiscal year) 14.29% 28.43% 18.85%
Revenue growth, 5-year CAGR 9.26% 16.57% 12.65%
Net income growth, 5-year CAGR 1.83% 14.84% 9.81%

Health

Metric TFSL UCB Banks Regional median
Debt to equity 2.97 0.01 0.17
Current ratio 1.67 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TFSL UCB Banks Regional median
Dividend yield 7.07% 2.73% 2.49%
Payout ratio 3.24 0.86 0.29

Size

Metric TFSL UCB Banks Regional median
Market cap 4.61b 4.43b 934.85m

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