First BanCorp. New (FBP) 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
First BanCorp. New (FBP) has outperformed United Community Banks (UCB) over the past year, gaining 22.2% versus a gain of 3.7%. Over five years, FBP leads with a +97.1% price change compared with -2.1% for UCB. First BanCorp. New is the larger company by market cap ($4.04 billion vs $3.98 billion), about 1.0 times the size, while United Community Banks is growing revenue faster (+11.7% vs +2.4%).
On valuation, United Community Banks trades at a lower forward P/E (9.9x vs 10.3x for First BanCorp. New). United Community Banks offers the higher dividend yield (3.01% vs 2.87%). United Community Banks converts more of its revenue into profit, with a net margin of 30.9% versus 27.5%.
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 | FBP | UCB |
|---|---|---|
| Share price | $26.45 | $33.26 |
| Market cap | $4.04B | $3.98B |
| 1-day change | -1.42% | -1.36% |
| YTD return | +27.59% | +6.53% |
| 1-year return | +22.17% | +3.71% |
| 5-year return | +97.09% | -2.06% |
| P/E ratio (TTM) | 11.11 | 10.87 |
| Forward P/E | 10.27 | 9.91 |
| EPS (TTM) | $2.38 | $3.06 |
| Dividend yield | 2.87% | 3.01% |
| Annual dividend | $0.76 | $1.00 |
| Revenue (latest FY) | $1.26B | $1.06B |
| Revenue growth (YoY) | +2.38% | +11.66% |
| Net income (latest FY) | $344.87M | $328.10M |
| Net margin | 27.48% | 30.86% |
| 52-week high | $29.88 | $37.18 |
| 52-week low | $19.16 | $28.65 |
| Distance from 52-week high | -11.48% | -10.54% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.36% | +20.78% |
| Average volume | 1.38M | 857.82K |
| Shares outstanding | 152.67M | 119.76M |
| Employees | 3,218 | 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
- FBP has outperformed UCB by 18.5 percentage points over the past year.
- United Community Banks grew revenue faster in its latest fiscal year (+11.66% vs +2.38%).
About First BanCorp. New
FBP stock →First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers.
Finance · Major Banks · 3,218 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
FBP vs UCB FAQ
Which is bigger, First BanCorp. New or United Community Banks?
First BanCorp. New (FBP) is larger, with a market capitalization of $4.04B compared with $3.98B for United Community Banks (UCB).
Which stock has performed better over the past year, FBP or UCB?
FBP returned +22.17% 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, FBP or UCB?
UCB has the lower trailing P/E at 10.9, versus 11.1 for FBP. 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, First BanCorp. New or United Community Banks?
United Community Banks has the higher yield at 3.01%, compared with 2.87% for First BanCorp. New.
Are First BanCorp. New and United Community Banks in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.