COMPARE · Data as of August 27, 2026
NWG vs UCB
Verdict: Side-by-side breakdown using the Bull Rankings model. NWG scored 75.0, UCB scored 75.0 — tied at the top.
Compare another set
NWG
NatWest Group plc
76.4Fin
$18.87 · $74.9B
Strength gap
10.3
NWG 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
- CheapestNWG9.3x
- Fastest growthNWG+13.3%
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
NWG
UCB
+13.3%B+
Rev
+11.9%B
9.3xA-
P/E
11.5xB+
14.8%B
ROE
10.3%B
1.42B+
P/B
1.13B+
5.0%A-
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
NWGNatWest Group plc
Why now
Banks - Regional · market cap $74.9b. Trading near 52-week high of $19.42 — momentum setup, limited technical margin of safety. Revenue growing +13%, comfortably above the S&P median. 4 sell-side analysts rate this a Buy with a mean 1-yr target of $21.54 (implying +14% upside).
Moat
Net margin 38% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 15% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. $74.9b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Trading within 3% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. 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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