COMP <GO>
SFBS vs UCB // ALTMAN Z-SCORE & DEBT/EQUITY
ServisFirst Bancshares Inc. (NYSE) VS. United Community Banks Inc. (NYSE) • 15-METRIC TALLY: SFBS 2
— UCB 5
■ METRIC PARITY
LAST: $40.28 (-0.59%) • MKT CAP: $4.43B
balance-sheet
—
LAST: $36.73 (-1.29%) • MKT CAP: $4.49B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SFBS VS. UCB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SFBS | UCB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.00% | 9.00% | +6.00 | SFBS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.02% | 7.94% | +0.08 | SFBS | /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 | 1.65% | 2.64% | -0.99 | 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 | 51.9 | 62.4 | -10.52 | UCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.9x | 12.7x | +2.20 | UCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $4.49B | -$56.0M | UCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SFBS REV | UCB REV | SFBS GROSS % | UCB GROSS % | SFBS FCF | UCB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $1.06B | — | — | $355.2M | $356.5M |
| FY 2024 | $0 | $952.1M | — | — | $252.9M | $302.7M |
| FY 2023 | $0 | $893.2M | — | — | $197.3M | $294.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SFBS // BETA —
UCB // BETA —