Fulton Financial (FULT) 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
Fulton Financial (FULT) has outperformed United Community Banks (UCB) over the past year, gaining 19.3% versus a gain of 3.7%. Over five years, FULT leads with a +37.4% price change compared with -2.1% for UCB. Fulton Financial is the larger company by market cap ($4.21 billion vs $3.98 billion), about 1.1 times the size, while United Community Banks is growing revenue faster (+11.7% vs -6.5%).
On valuation, Fulton Financial trades at a lower forward P/E (9.3x vs 9.9x for United Community Banks). Fulton Financial offers the higher dividend yield (3.40% vs 3.01%). Fulton Financial converts more of its revenue into profit, with a net margin of 141.5% 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 | FULT | UCB |
|---|---|---|
| Share price | $22.08 | $33.26 |
| Market cap | $4.21B | $3.98B |
| 1-day change | -1.45% | -1.36% |
| YTD return | +14.20% | +6.53% |
| 1-year return | +19.26% | +3.71% |
| 5-year return | +37.37% | -2.06% |
| P/E ratio (TTM) | 10.61 | 11.01 |
| Forward P/E | 9.26 | 9.91 |
| EPS (TTM) | $2.08 | $3.02 |
| Dividend yield | 3.40% | 3.01% |
| Annual dividend | $0.75 | $1.00 |
| Revenue (latest FY) | $276.77M | $1.06B |
| Revenue growth (YoY) | -6.50% | +11.66% |
| Net income (latest FY) | $391.61M | $328.10M |
| Net margin | 141.49% | 30.86% |
| 52-week high | $25.23 | $37.18 |
| 52-week low | $16.60 | $28.65 |
| Distance from 52-week high | -12.50% | -10.54% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.68% | +20.78% |
| Average volume | 1.69M | 857.82K |
| Shares outstanding | 190.91M | 119.76M |
| Employees | 3,400 | 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
- FULT has outperformed UCB by 15.5 percentage points over the past year.
- Fulton Financial is more profitable, keeping 141.5 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 -6.50%).
- The two companies sit in different sectors: Fulton Financial in Finance and United Community Banks in Financial Services.
About Fulton Financial
FULT stock →Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit.
Finance · Major Banks · 3,400 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
FULT vs UCB FAQ
Which is bigger, Fulton Financial or United Community Banks?
Fulton Financial (FULT) is larger, with a market capitalization of $4.21B compared with $3.98B for United Community Banks (UCB).
Which stock has performed better over the past year, FULT or UCB?
FULT returned +19.26% 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, FULT or UCB?
FULT has the lower trailing P/E at 10.6, versus 11.0 for UCB. 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, Fulton Financial or United Community Banks?
Fulton Financial has the higher yield at 3.40%, compared with 3.01% for United Community Banks.
Are Fulton Financial and United Community Banks in the same industry?
No. Fulton Financial is in the Finance sector, while United Community Banks is in Financial Services.