RCB vs UCB

Comparison between Ready Capital Corp (RCB, Company) and United Community Banks Inc (UCB, Company).

5-Year PerformanceRCB has outperformed UCB, delivering a return of +3.0% compared to +2.0%

RCB vs UCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	RCB(COMPANY)	UCB(COMPANY)
Market Cap	$3.99B	$3.99B
Max Drawdown	69.01%	96.24%
Sharpe Ratio	1.29	0.59
5Y Beta	N/A	1.09
Industry	Other	Banks - Regional
P/E Ratio	-13.05	11.80
Forward P/E	N/A	12.53
PEG Ratio	-0.06	0.41
Dividend Yield	6.31%	3.05%
5Y Dividends CAGR	10.38%	6.21%
5Y EPS CAGR	N/A	3.24%
Debt to Equity	78.20%	3.30%
Free Cash Flow Yield	11.83%	8.14%
P/S Ratio	N/A	3.80
P/B Ratio	N/A	1.06

Market Cap

Winner

RCB

$3.99B

UCB

$3.99B

Max Drawdown

Winner

RCB

69.01%

UCB

96.24%

Sharpe Ratio

Winner

RCB

1.29

UCB

0.59

5Y Beta

RCB

N/A

UCB

1.09

Industry

RCB

Other

UCB

Banks - Regional

P/E Ratio

Winner

RCB

-13.05

UCB

11.80

Forward P/E

RCB

N/A

UCB

12.53

PEG Ratio

Winner

RCB

-0.06

UCB

0.41

Dividend Yield

Winner

RCB

6.31%

UCB

3.05%

5Y Dividends CAGR

Winner

RCB

10.38%

UCB

6.21%

5Y EPS CAGR

RCB

N/A

UCB

3.24%

Debt to Equity

RCB

78.20%

Winner

UCB

3.30%

Free Cash Flow Yield

Winner

RCB

11.83%

UCB

8.14%

P/S Ratio

RCB

N/A

UCB

3.80

P/B Ratio

RCB

N/A

UCB

1.06

RCB vs UCB - Historical Returns

Returns include dividend reinvestment.

Period	RCB	UCB
1 month	+3.48%	+0.30%
3 months	+5.74%	-3.40%
6 months	+8.69%	+10.77%
1 year	+12.46%	+21.08%
5 years(CAGR)	+2.96%	+2.02%
10 years(CAGR)	N/A	+8.29%
Max(CAGR)	+4.18%	-1.43%

Winner

RCB

+3.48%

UCB

+0.30%

Winner

RCB

+5.74%

UCB

-3.40%

RCB

+8.69%

Winner

UCB

+10.77%

RCB

+12.46%

Winner

UCB

+21.08%

5Y(CAGR)

Winner

RCB

+2.96%

UCB

+2.02%

10Y(CAGR)

RCB

N/A

UCB

+8.29%

Max(CAGR)

Winner

RCB

+4.18%

UCB

-1.43%

RCB vs UCB - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	RCB	UCB
2026	+7.93%	+6.70%
2025	+5.51%	+2.28%
2024	+7.85%	+14.60%
2023	+2.94%	-10.20%
2022	-8.06%	-4.05%
2021	+7.15%	+30.70%
2020	-1.61%	-4.96%
2019	+9.93%	+44.66%
2018	N/A	-21.80%
2017	N/A	-3.90%
2016	N/A	+57.61%
2015	N/A	+5.47%
2014	N/A	+8.11%
2013	N/A	+78.21%
2012	N/A	+30.57%
2011	N/A	-28.31%
2010	N/A	-43.97%
2009	N/A	-73.51%
2008	N/A	-10.13%
2007	N/A	-51.25%
2006	N/A	+22.50%
2005	N/A	-1.28%
2004	N/A	+22.82%
2003	N/A	+29.82%
2002	N/A	+11.86%

RCB vs UCB Drawdown Comparison

The maximum drawdown for RCB was -68.57%, occurring on Mar 24, 2020. Recovery took 260 trading sessions.

The maximum drawdown for UCB was -95.98%, occurring on Nov 15, 2010. This drawdown has not yet recovered.

The current UCB drawdown is -71.55%.

Rank	RCB	UCB
#1	-68.57% Jan 8, 2020 - Jan 20, 2021	-95.98% Mar 7, 2007 - Nov 15, 2010
#2	-15.65% Aug 31, 2021 - Aug 19, 2025	-26.47% May 20, 2002 - Aug 14, 2003
#3	-4.44% May 3, 2021 - Aug 31, 2021	-24.88% Dec 1, 2004 - Oct 31, 2005
#4	-3.71% Sep 24, 2019 - Dec 20, 2019	-15.10% Mar 28, 2002 - May 14, 2002
#5	-3.27% Apr 12, 2021 - May 3, 2021	-13.62% Jun 30, 2004 - Nov 10, 2004
#6	-2.07% Feb 1, 2021 - Feb 19, 2021	-13.31% Nov 10, 2005 - Jun 30, 2006
#7	-2.04% Aug 8, 2019 - Sep 24, 2019	-12.56% Jan 20, 2004 - Apr 2, 2004
#8	-1.85% Jan 20, 2021 - Jan 29, 2021	-10.95% Apr 12, 2004 - Jun 30, 2004
#9	-1.25% Aug 29, 2025 - Oct 1, 2025	-10.92% Aug 3, 2006 - Nov 16, 2006
#10	-1.19% Mar 3, 2021 - Mar 23, 2021	-9.30% Jul 3, 2006 - Jul 28, 2006
#11	-1.16% Mar 4, 2026 - Mar 24, 2026	-9.19% Aug 21, 2003 - Oct 14, 2003
#12	-1.08% Nov 10, 2025 - Dec 15, 2025	-8.04% Feb 7, 2007 - Mar 7, 2007
#13	-1.05% Jul 26, 2019 - Aug 7, 2019	-6.60% Nov 25, 2003 - Dec 29, 2003
#14	-0.98% Dec 31, 2019 - Jan 6, 2020	-6.22% Nov 30, 2006 - Feb 6, 2007
#15	-0.89% Dec 15, 2025 - Jan 8, 2026	-6.20% Aug 14, 2003 - Aug 20, 2003

Correlation

Correlation between RCB and UCB is 0.75 which considered as a strong positive correlation - the stocks tend to move together.

0.75

-101

Dividend Comparison (2002 - 2026)

RCB vs UCB dividend yield comparison.

Year	RCB	UCB
2026	4.46%	0.75%
2025	4.73%	3.14%
2024	4.69%	2.91%
2023	0.00%	3.14%
2022	1.66%	2.54%
2021	3.00%	2.17%
2020	6.21%	2.53%
2019	1.54%	2.20%
2018	0.00%	2.70%
2017	0.00%	1.35%
2016	0.00%	1.01%
2015	0.00%	1.13%
2014	0.00%	0.58%
2009	0.00%	3.89%
2008	0.00%	2.75%
2007	0.00%	2.28%
2006	0.00%	0.99%
2005	0.00%	1.05%
2004	0.00%	0.89%
2003	0.00%	0.91%
2002	0.00%	1.03%