COMPARE · Data as of August 27, 2026
UCB vs ZION
Verdict: Side-by-side breakdown using the Bull Rankings model. UCB scored 75.0, ZION scored 74.0 — UCB leads.
Compare another set
UCB
United Community Banks, Inc.
66.1Fin
$35.23 · $4.2B
fundamentals as of
Strength gap
7.9
ZION leads
ZION
Zions Bancorporation, National Association
74Fin
$67.91 · $9.9B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestZION8.7x
- 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
UCB
ZION
+11.9%B
Rev
+8.1%B
11.5xB+
P/E
8.7xA-
10.3%B
ROE
16.4%B+
1.13B+
P/B
1.30B+
2.9%B
Yield
2.8%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
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.
ZIONZions Bancorporation, National Association
Why now
Banks - Regional · market cap $9.9b. 7% off the 52-week high of $73.34. 21 sell-side analysts rate this a Hold with a mean 1-yr target of $74.95 (implying +10% upside).
Moat
Net margin 32% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% 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
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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