CVB Financial (CVBF) vs United Community Banks (UCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
CVB Financial (CVBF) has outperformed United Community Banks (UCB) over the past year, gaining 13.9% versus a gain of 3.7%. Over five years, CVBF leads with a +7.7% price change compared with -2.1% for UCB. United Community Banks is the larger company by market cap ($4.01 billion vs $3.82 billion), about 1.0 times the size.
On valuation, United Community Banks trades at a lower forward P/E (10.0x vs 10.9x for CVB Financial). CVB Financial offers the higher dividend yield (3.68% vs 2.98%). CVB Financial converts more of its revenue into profit, with a net margin of 40.6% versus 30.9%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CVBF | UCB |
|---|---|---|
| Share price | $21.73 | $33.51 |
| Market cap | $3.82B | $4.01B |
| 1-day change | +0.93% | +0.75% |
| YTD return | +15.75% | +6.53% |
| 1-year return | +13.92% | +3.71% |
| 5-year return | +7.70% | -2.06% |
| P/E ratio (TTM) | 15.20 | 10.95 |
| Forward P/E | 10.87 | 9.99 |
| EPS (TTM) | $1.43 | $3.06 |
| Dividend yield | 3.68% | 2.98% |
| Annual dividend | $0.80 | $1.00 |
| Revenue (latest FY) | $515.46M | $1.06B |
| Revenue growth (YoY) | +2.72% | +11.66% |
| Net income (latest FY) | $209.30M | $328.10M |
| Operating margin | 60.92% | — |
| Net margin | 40.60% | 30.86% |
| 52-week high | $23.41 | $37.18 |
| 52-week low | $17.95 | $28.65 |
| Distance from 52-week high | -7.17% | -9.87% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.64% | +19.87% |
| Average volume | 1.33M | 859.61K |
| Shares outstanding | 176.00M | 119.76M |
| Employees | 1,079 | 3,141 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CVBF has outperformed UCB by 10.2 percentage points over the past year.
- CVB Financial trades at a higher earnings multiple (15.2x vs 11.0x trailing P/E).
- CVB Financial is more profitable, keeping 40.6 cents of every revenue dollar as net income versus 30.9 cents for United Community Banks.
- United Community Banks grew revenue faster in its latest fiscal year (+11.66% vs +2.72%).
About CVB Financial
CVBF stock →CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals.
Finance · Major Banks · 1,079 employees
About United Community Banks
UCB stock →United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States.
Finance · Major Banks · 3,141 employees
CVBF vs UCB FAQ
Which is bigger, CVB Financial or United Community Banks?
United Community Banks (UCB) is larger, with a market capitalization of $4.01B compared with $3.82B for CVB Financial (CVBF).
Which stock has performed better over the past year, CVBF or UCB?
CVBF returned +13.92% over the past 12 months, compared with +3.71% for UCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CVBF or UCB?
UCB has the lower trailing P/E at 11.0, versus 15.2 for CVBF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, CVB Financial or United Community Banks?
CVB Financial has the higher yield at 3.68%, compared with 2.98% for United Community Banks.
Are CVB Financial and United Community Banks in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.