COMP <GO>
UCB vs MS // GROSS PROFIT MARGIN
United Community Banks Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: UCB 8
— MS 1
■ METRIC PARITY
LAST: $36.73 (-1.29%) • MKT CAP: $4.49B
gross-margins
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UCB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UCB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.00% | 3.00% | +6.00 | UCB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.94% | -7.25% | +15.19 | UCB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 30.90% | 20.20% | +10.70 | UCB | /net-margins <GO> |
| Revenue Growth (YoY) | 11.70% | 5.50% | +6.20 | UCB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 2.21% | +0.43 | 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 | 51.0 | +11.42 | UCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 16.5x | -3.80 | UCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.49B | $298.41B | -$293.92B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UCB REV | MS REV | UCB GROSS % | MS GROSS % | UCB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.06B | $0 | — | — | $356.5M | -$17.89B |
| FY 2024 | $952.1M | $0 | — | — | $302.7M | $1.36B |
| FY 2023 | $893.2M | $0 | — | — | $294.0M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UCB // BETA —
MS // BETA 1.04