COMP <GO>
UCB vs CATY // GROSS PROFIT MARGIN
United Community Banks Inc. (NYSE) VS. Cathay General Bancorp (NASDAQ) • 15-METRIC TALLY: UCB 4
— CATY 3
■ METRIC PARITY
LAST: $37.21 (+1.78%) • MKT CAP: $4.49B
gross-margins
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LAST: $65.35 (+1.07%) • MKT CAP: $4.36B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UCB VS. CATY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UCB | CATY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.00% | 10.80% | -1.80 | CATY | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.94% | 8.34% | -0.40 | CATY | /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 | 2.64% | 2.15% | +0.49 | UCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | UCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.4 | 68.4 | -5.98 | CATY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 12.8x | -0.10 | UCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.49B | $4.36B | $126.9M | UCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UCB REV | CATY REV | UCB GROSS % | CATY GROSS % | UCB FCF | CATY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.06B | $0 | — | — | $356.5M | $363.7M |
| FY 2024 | $952.1M | $0 | — | — | $302.7M | $325.5M |
| FY 2023 | $893.2M | $0 | — | — | $294.0M | $384.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UCB // BETA —
CATY // BETA —