Verdict: Side-by-side breakdown using the Bull Rankings model. OZK scored 76.0, UCB scored 76.0 — tied at the top.
Compare another set
OZK
Bank OZK
Banks - Regional · Financial strength
75.6Fin
$44.41 · $4.8B
fundamentals as of
Strength gap
8.3
OZK leads
UCB
United Community Banks, Inc.
Banks - Regional · Financial strength
67.3Fin
$33.38 · $4.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestOZK7.3x
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
OZK
UCB
+4.2%C+
Rev
+11.9%B
7.3xA
P/E
10.9xB+
11.3%B
ROE
10.3%B
0.82A-
P/B
1.07A-
4.4%B+
Yield
3.1%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
OZKBank OZK
Banks - Regional · $44.41 · beta 0.91
Why now
Banks - Regional · market cap $4.8b. 17% off the 52-week high of $53.39. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $53.78 (implying +21% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 11% 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.
UCBUnited Community Banks, Inc.
Banks - Regional · $33.38 · beta 0.90
Why now
Banks - Regional · market cap $4.0b. 10% 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 $40.17 (implying +20% 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
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is OZK or UCB the better stock?
On the Bull Rankings quality-growth score they are level: OZK and UCB both score 76.0 out of 100. The score blends business quality, growth and valuation into one number, so a tie means the model sees no meaningful edge either way — the pillar breakdown on this page shows where each is actually stronger.
How are OZK and UCB scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.