COMP <GO>
UCB vs FULT // FREE CASH FLOW YIELD
United Community Banks Inc. (NYSE) VS. Fulton Financial Corporation (NASDAQ) • 15-METRIC TALLY: UCB 3
— FULT 4
▲ FREE CASH FLOW YIELD LEADER: UCB
LAST: $37.21 (+1.78%) • MKT CAP: $4.49B
fcf-yield
7.94%
LAST: $23.68 (+1.37%) • MKT CAP: $4.52B
fcf-yield
6.74%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UCB VS. FULT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UCB | FULT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.00% | 11.20% | -2.20 | FULT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 7.94% | 6.74% | +1.20 | 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 | 2.64% | 3.12% | -0.48 | FULT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | UCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.4 | 60.1 | +2.32 | UCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 10.7x | +2.00 | FULT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.49B | $4.52B | -$34.2M | FULT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UCB REV | FULT REV | UCB GROSS % | FULT GROSS % | UCB FCF | FULT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.06B | $0 | — | — | $356.5M | $304.5M |
| FY 2024 | $952.1M | $0 | — | — | $302.7M | $416.6M |
| FY 2023 | $893.2M | $0 | — | — | $294.0M | $363.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UCB // BETA —
FULT // BETA —