First Financial Bankshares (FFIN) 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
United Community Banks (UCB) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 3.7% versus a loss of 5.9%. Over five years, UCB leads with a -2.1% price change compared with -34.2% for FFIN. First Financial Bankshares is the larger company by market cap ($4.50 billion vs $3.98 billion), about 1.1 times the size.
On valuation, United Community Banks trades at a lower forward P/E (9.9x vs 14.6x for First Financial Bankshares). United Community Banks offers the higher dividend yield (3.01% vs 2.52%). First Financial Bankshares converts more of its revenue into profit, with a net margin of 40.1% 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 | FFIN | UCB |
|---|---|---|
| Share price | $31.39 | $33.26 |
| Market cap | $4.50B | $3.98B |
| 1-day change | -1.66% | -1.36% |
| YTD return | +5.09% | +6.53% |
| 1-year return | -5.93% | +3.71% |
| 5-year return | -34.19% | -2.06% |
| P/E ratio (TTM) | 16.79 | 10.87 |
| Forward P/E | 14.56 | 9.91 |
| EPS (TTM) | $1.87 | $3.06 |
| Dividend yield | 2.52% | 3.01% |
| Annual dividend | $0.79 | $1.00 |
| Revenue (latest FY) | $631.60M | $1.06B |
| Revenue growth (YoY) | +14.68% | +11.66% |
| Net income (latest FY) | $253.58M | $328.10M |
| Net margin | 40.15% | 30.86% |
| 52-week high | $36.52 | $37.18 |
| 52-week low | $28.12 | $28.65 |
| Distance from 52-week high | -14.05% | -10.54% |
| Analyst consensus | none | buy |
| Avg. price target upside | +15.61% | +20.78% |
| Average volume | 748.82K | 857.82K |
| Shares outstanding | 143.33M | 119.76M |
| Employees | 1,500 | 3,141 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
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
- First Financial Bankshares trades at a higher earnings multiple (16.8x vs 10.9x trailing P/E).
- First Financial Bankshares is more profitable, keeping 40.1 cents of every revenue dollar as net income versus 30.9 cents for United Community Banks.
- The two companies sit in different sectors: First Financial Bankshares in Finance and United Community Banks in Financial Services.
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Finance · Major Banks · 1,500 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.
Financial Services · Banks - Regional · 3,141 employees
FFIN vs UCB FAQ
Which is bigger, First Financial Bankshares or United Community Banks?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.50B compared with $3.98B for United Community Banks (UCB).
Which stock has performed better over the past year, FFIN or UCB?
UCB returned +3.71% over the past 12 months, compared with -5.93% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or UCB?
UCB has the lower trailing P/E at 10.9, versus 16.8 for FFIN. 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 Financial Bankshares or United Community Banks?
United Community Banks has the higher yield at 3.01%, compared with 2.52% for First Financial Bankshares.
Are First Financial Bankshares and United Community Banks in the same industry?
No. First Financial Bankshares is in the Finance sector, while United Community Banks is in Financial Services.