COMP <GO>
UCB vs JPM // OPERATING MARGIN
United Community Banks Inc. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: UCB 5
— JPM 4
■ METRIC PARITY
LAST: $36.73 (-1.29%) • MKT CAP: $4.49B
operating-margins
—
LAST: $337.04 (-1.90%) • MKT CAP: $913.30B
operating-margins
42.07%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UCB VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UCB | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.00% | 17.37% | -8.37 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.94% | -18.14% | +26.08 | UCB | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | 42.07% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 30.90% | 32.63% | -1.73 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 11.70% | 13.53% | -1.83 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 1.96% | +0.68 | UCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 2/9 | +4.00 | UCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.4 | 55.1 | +7.32 | UCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 13.3x | -0.57 | UCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.49B | $913.30B | -$908.81B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UCB REV | JPM REV | UCB GROSS % | JPM GROSS % | UCB FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.06B | $182.45B | — | — | $356.5M | -$147.78B |
| FY 2024 | $952.1M | $177.56B | — | — | $302.7M | -$42.01B |
| FY 2023 | $893.2M | $158.10B | — | — | $294.0M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UCB // BETA —
JPM // BETA 1.00