COMP <GO>
FFIN vs UCB // ALTMAN Z-SCORE & DEBT/EQUITY
First Financial Bankshares Inc. (NASDAQ) VS. United Community Banks Inc. (NYSE) • 15-METRIC TALLY: FFIN 1
— UCB 6
■ METRIC PARITY
LAST: $30.59 (-0.52%) • MKT CAP: $4.41B
balance-sheet
—
LAST: $36.73 (-1.29%) • MKT CAP: $4.49B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FFIN VS. UCB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FFIN | UCB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.20% | 9.00% | +4.20 | FFIN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.79% | 7.94% | -1.15 | UCB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 30.90% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 11.70% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.41% | 2.64% | -0.23 | UCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | UCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.3 | 62.4 | -16.12 | UCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.2x | 12.7x | +3.50 | UCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.41B | $4.49B | -$79.3M | UCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FFIN REV | UCB REV | FFIN GROSS % | UCB GROSS % | FFIN FCF | UCB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $1.06B | — | — | $299.4M | $356.5M |
| FY 2024 | $0 | $952.1M | — | — | $309.6M | $302.7M |
| FY 2023 | $0 | $893.2M | — | — | $284.8M | $294.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FFIN // BETA —
UCB // BETA —