UCB vs RCB

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

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

UCB vs RCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

UCB

$3.99B

Winner

RCB

$3.99B

Max Drawdown

UCB

96.24%

Winner

RCB

69.01%

Sharpe Ratio

UCB

0.59

Winner

RCB

1.29

5Y Beta

UCB

1.09

RCB

N/A

Industry

UCB

Banks - Regional

RCB

Other

P/E Ratio

UCB

11.80

Winner

RCB

-13.05

Forward P/E

UCB

12.53

RCB

N/A

PEG Ratio

UCB

0.41

Winner

RCB

-0.06

Dividend Yield

UCB

3.05%

Winner

RCB

6.31%

5Y Dividends CAGR

UCB

6.21%

Winner

RCB

10.38%

5Y EPS CAGR

UCB

3.24%

RCB

N/A

Debt to Equity

Winner

UCB

3.30%

RCB

78.20%

Free Cash Flow Yield

UCB

8.14%

Winner

RCB

11.83%

P/S Ratio

UCB

3.80

RCB

N/A

P/B Ratio

UCB

1.06

RCB

N/A

UCB vs RCB - Historical Returns

Returns include dividend reinvestment.

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

UCB

+0.30%

Winner

RCB

+3.48%

UCB

-3.40%

Winner

RCB

+5.74%

Winner

UCB

+10.77%

RCB

+8.69%

Winner

UCB

+21.08%

RCB

+12.46%

5Y(CAGR)

UCB

+2.02%

Winner

RCB

+2.96%

10Y(CAGR)

UCB

+8.29%

RCB

N/A

Max(CAGR)

UCB

-1.43%

Winner

RCB

+4.18%

UCB vs RCB - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

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

UCB vs RCB Drawdown Comparison

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

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

The current UCB drawdown is -71.55%.

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

Correlation

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

0.75

-101

Dividend Comparison (2002 - 2026)

UCB vs RCB dividend yield comparison.

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