UCB vs RCC

Comparison between United Community Banks Inc (UCB, Company) and Ready Capital Corporation 5.75% Senior Notes due 2026 (RCC, Company).

5-Year PerformanceRCC has outperformed UCB, delivering a return of +4.7% compared to +3.6%

UCB vs RCC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UCB(COMPANY)	RCC(COMPANY)
Market Cap	$4.07B	$4.05B
Max Drawdown	96.24%	17.83%
Sharpe Ratio	0.65	1.10
5Y Beta	1.06	N/A
Industry	Banks - Regional	N/A
P/E Ratio	12.04	-13.26
Forward P/E	12.53	N/A
PEG Ratio	0.42	-0.06
Dividend Yield	2.93%	2.64%
5Y Dividends CAGR	6.21%	N/A
5Y EPS CAGR	3.24%	N/A
Debt to Equity	3.30%	78.20%
Free Cash Flow Yield	7.98%	11.65%
P/S Ratio	3.88	N/A
P/B Ratio	1.11	N/A

Market Cap

Winner

UCB

$4.07B

RCC

$4.05B

Max Drawdown

UCB

96.24%

Winner

RCC

17.83%

Sharpe Ratio

UCB

0.65

Winner

RCC

1.10

5Y Beta

UCB

1.06

RCC

N/A

Industry

UCB

Banks - Regional

RCC

N/A

P/E Ratio

UCB

12.04

Winner

RCC

-13.26

Forward P/E

UCB

12.53

RCC

N/A

PEG Ratio

UCB

0.42

Winner

RCC

-0.06

Dividend Yield

Winner

UCB

2.93%

RCC

2.64%

5Y Dividends CAGR

UCB

6.21%

RCC

N/A

5Y EPS CAGR

UCB

3.24%

RCC

N/A

Debt to Equity

Winner

UCB

3.30%

RCC

78.20%

Free Cash Flow Yield

UCB

7.98%

Winner

RCC

11.65%

P/S Ratio

UCB

3.88

RCC

N/A

P/B Ratio

UCB

1.11

RCC

N/A

UCB vs RCC - Historical Returns

Returns include dividend reinvestment.

Period	UCB	RCC
1 month	+5.68%	+0.00%
3 months	+15.70%	+0.00%
6 months	+8.64%	+2.06%
1 year	+22.87%	+6.96%
5 years(CAGR)	+3.58%	+4.69%
10 years(CAGR)	+9.00%	N/A
Max(CAGR)	-1.26%	+5.17%

Winner

UCB

+5.68%

RCC

+0.00%

Winner

UCB

+15.70%

RCC

+0.00%

Winner

UCB

+8.64%

RCC

+2.06%

Winner

UCB

+22.87%

RCC

+6.96%

5Y(CAGR)

UCB

+3.58%

Winner

RCC

+4.69%

10Y(CAGR)

UCB

+9.00%

RCC

N/A

Max(CAGR)

UCB

-1.26%

Winner

RCC

+5.17%

UCB vs RCC - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	UCB	RCC
2026	+11.03%	+1.21%
2025	+2.28%	+7.85%
2024	+14.60%	+6.60%
2023	-10.20%	+7.68%
2022	-4.05%	-5.54%
2021	+30.70%	+6.87%
2020	-4.96%	N/A
2019	+44.66%	N/A
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 RCC 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 RCC was -11.25%, occurring on Oct 31, 2022. Recovery took 438 trading sessions.

The current UCB drawdown is -70.39%.

Rank	UCB	RCC
#1	-95.98% Mar 7, 2007 - Nov 15, 2010	-11.25% Jan 13, 2022 - Oct 12, 2023
#2	-26.47% May 20, 2002 - Aug 14, 2003	-4.51% Feb 26, 2021 - Jun 14, 2021
#3	-24.88% Dec 1, 2004 - Oct 31, 2005	-3.42% Aug 31, 2021 - Jan 13, 2022
#4	-15.10% Mar 28, 2002 - May 14, 2002	-3.31% May 13, 2025 - Jul 14, 2025
#5	-13.62% Jun 30, 2004 - Nov 10, 2004	-3.12% Apr 3, 2024 - Aug 20, 2024
#6	-13.31% Nov 10, 2005 - Jun 30, 2006	-2.32% Dec 19, 2024 - Mar 24, 2025
#7	-12.56% Jan 20, 2004 - Apr 2, 2004	-1.72% Apr 24, 2025 - May 13, 2025
#8	-10.95% Apr 12, 2004 - Jun 30, 2004	-1.63% Jun 14, 2021 - Jun 30, 2021
#9	-10.92% Aug 3, 2006 - Nov 16, 2006	-1.54% Oct 31, 2024 - Dec 19, 2024
#10	-9.30% Jul 3, 2006 - Jul 28, 2006	-1.53% Jul 14, 2021 - Aug 31, 2021
#11	-9.19% Aug 21, 2003 - Oct 14, 2003	-1.44% Jun 30, 2021 - Jul 9, 2021
#12	-8.04% Feb 7, 2007 - Mar 7, 2007	-1.40% Dec 28, 2023 - Jan 3, 2024
#13	-6.60% Nov 25, 2003 - Dec 29, 2003	-1.32% Jan 16, 2024 - Mar 20, 2024
#14	-6.22% Nov 30, 2006 - Feb 6, 2007	-1.18% Sep 24, 2024 - Oct 15, 2024
#15	-6.20% Aug 14, 2003 - Aug 20, 2003	-1.10% Oct 29, 2024 - Oct 31, 2024

Correlation

Correlation between UCB and RCC is 0.35 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.35

-101

Dividend Comparison (2002 - 2026)

UCB vs RCC dividend yield comparison.

Year	UCB	RCC
2026	0.72%	1.44%
2025	3.14%	5.74%
2024	2.91%	5.89%
2023	3.14%	4.49%
2022	2.54%	6.23%
2021	2.17%	4.00%
2020	2.53%	0.00%
2019	2.20%	0.00%
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%