COMPARE · Data as of August 27, 2026
IFS vs UCB
Verdict: Side-by-side breakdown using the Bull Rankings model. IFS scored 77.0, UCB scored 75.0 — IFS leads.
Compare another set
Different reporting periods. UCB's fundamentals are as of June 2026, but IFS's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
IFS
Intercorp Financial Services Inc.
73.2Fin
$54.36 · $6.0B
fundamentals as of
Strength gap
7.1
IFS leads
UCB
United Community Banks, Inc.
66.1Fin
$35.23 · $4.2B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestIFS9.9x
- Fastest growthUCB+11.9%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
IFS
UCB
+5.7%C+
Rev
+11.9%B
9.9xA-
P/E
11.5xB+
17.2%B+
ROE
10.3%B
1.60B
P/B
1.13B+
3.3%B
Yield
2.9%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
IFSIntercorp Financial Services Inc.
Why now
Banks - Regional · market cap $6.0b. 11% off the 52-week high of $61.38. PEG 0.68 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $68.05 (implying +25% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
UCBUnited Community Banks, Inc.
Why now
Banks - Regional · market cap $4.2b. 5% off the 52-week high of $37.18. Revenue growing +12%, comfortably above the S&P median. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $39.17 (implying +11% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 10% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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