International Bancshares (IBOC) 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 International Bancshares (IBOC) over the past year, gaining 3.7% versus a loss of 0.1%. Over five years, IBOC leads with a +63.2% price change compared with -2.1% for UCB. International Bancshares is the larger company by market cap ($4.24 billion vs $3.98 billion), about 1.1 times the size, while United Community Banks is growing revenue faster (+11.7% vs +1.0%).
On valuation, International Bancshares trades at a lower trailing P/E (10.3x vs 10.9x for United Community Banks). United Community Banks offers the higher dividend yield (3.01% vs 2.10%). International Bancshares converts more of its revenue into profit, with a net margin of 49.0% 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 | IBOC | UCB |
|---|---|---|
| Share price | $68.11 | $33.26 |
| Market cap | $4.24B | $3.98B |
| 1-day change | -1.20% | -1.36% |
| YTD return | +2.51% | +6.53% |
| 1-year return | -0.12% | +3.71% |
| 5-year return | +63.22% | -2.06% |
| P/E ratio (TTM) | 10.27 | 10.87 |
| Forward P/E | — | 9.91 |
| EPS (TTM) | $6.63 | $3.06 |
| Dividend yield | 2.10% | 3.01% |
| Annual dividend | $1.43 | $1.00 |
| Revenue (latest FY) | $842.17M | $1.06B |
| Revenue growth (YoY) | +1.02% | +11.66% |
| Net income (latest FY) | $412.29M | $328.10M |
| Net margin | 48.96% | 30.86% |
| 52-week high | $78.46 | $37.18 |
| 52-week low | $63.20 | $28.65 |
| Distance from 52-week high | -13.19% | -10.54% |
| Analyst consensus | none | buy |
| Avg. price target upside | +27.73% | +20.78% |
| Average volume | 332.82K | 859.61K |
| Shares outstanding | 62.19M | 119.76M |
| Employees | 2,126 | 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
- International Bancshares is more profitable, keeping 49.0 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 +1.02%).
About International Bancshares
IBOC stock →International Bancshares Corporation, a multibank financial holding company, engages in the provision of commercial and retail banking services in Texas and the State of Oklahoma. The company accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans.
Finance · Major Banks · 2,126 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
IBOC vs UCB FAQ
Which is bigger, International Bancshares or United Community Banks?
International Bancshares (IBOC) is larger, with a market capitalization of $4.24B compared with $3.98B for United Community Banks (UCB).
Which stock has performed better over the past year, IBOC or UCB?
UCB returned +3.71% over the past 12 months, compared with -0.12% for IBOC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, IBOC or UCB?
IBOC has the lower trailing P/E at 10.3, versus 10.9 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, International Bancshares or United Community Banks?
United Community Banks has the higher yield at 3.01%, compared with 2.10% for International Bancshares.
Are International Bancshares and United Community Banks in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.