Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc.

Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking, trust, and investment services to retail, commercial, and small business customers in the United States. The company offers deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also provides commercial and industrial products, such as asset based lending portfolio; commercial real estate and construction; small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company offers wealth management and trust services, financial planning, and portfolio management; and automated lock box collection, cash management, and account reconciliation services. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Latest Banks and Eastern Bankshares, Inc., United Community Banks, Inc. Stock News

As of July 31, 2026, Eastern Bankshares, Inc. had a $5.0 billion market capitalization, compared to the Banks median of $716.9 million. Eastern Bankshares, Inc.’s stock is up 24.6% in 2026, up 0.2% in the previous five trading days and up 46.43% in the past year.

Currently, Eastern Bankshares, Inc.’s price-earnings ratio is 13.0. Eastern Bankshares, Inc.’s trailing 12-month revenue is $1.0 billion with a 34.3% net profit margin. As of July 31, 2026, Eastern Bankshares, Inc. has not reported significant year-over-year quarterly sales. Analysts expect adjusted earnings to reach $1.872 per share for the current fiscal year. Eastern Bankshares, Inc. currently has a 2.6% dividend yield.

As of July 31, 2026, United Community Banks, Inc. had a $4.2 billion market cap, putting it in the 65th percentile of all stocks. United Community Banks, Inc.’s stock is up 13.5% in 2026, up 0.5% in the previous five trading days and up 15.14% in the past year.

Currently, United Community Banks, Inc.’s price-earnings ratio is 13.0. United Community Banks, Inc.’s trailing 12-month revenue is $1.0 billion with a 34.1% net profit margin. Year-over-year quarterly sales growth most recently was 14.4%. Analysts expect adjusted earnings to reach $2.918 per share for the current fiscal year. United Community Banks, Inc. currently has a 2.8% dividend yield.

How We Compare Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc.’s stock grades to see how they measure up against one another.

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Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc. Stock Value Grades

Company	Ticker	Value
Eastern Bankshares, Inc.	EBC	C
United Community Banks, Inc.	UCB	B
United Community Banks, Inc.	UCB	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Eastern Bankshares, Inc. has a Value Score of 44, which is Average. United Community Banks, Inc. has a Value Score of 62, which is Value. United Community Banks, Inc. has a Value Score of 62, which is Value.

The Value Stock Winner: United Community Banks, Inc.

As you can clearly see from the Value Grade breakdown above, United Community Banks, Inc. is considered to have better value than Eastern Bankshares, Inc.. For investors who focus solely on a company’s valuation, United Community Banks, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc.’s Momentum Grades

Company	Ticker	Momentum
Eastern Bankshares, Inc.	EBC	B
United Community Banks, Inc.	UCB	C
United Community Banks, Inc.	UCB	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Eastern Bankshares, Inc. has a Momentum Score of 76, which is Strong. United Community Banks, Inc. has a Momentum Score of 55, which is Average. United Community Banks, Inc. has a Momentum Score of 55, which is Average.

The Momentum Grade Winner: Eastern Bankshares, Inc.

As you can clearly see from the Momentum Grade breakdown above, Eastern Bankshares, Inc. is considered to have stronger momentum compared to United Community Banks, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Eastern Bankshares, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Eastern Bankshares, Inc.	EBC	D
United Community Banks, Inc.	UCB	D
United Community Banks, Inc.	UCB	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Eastern Bankshares, Inc. has a Earnings Estimate Score of 36, which is Negative. United Community Banks, Inc. has a Earnings Estimate Score of 22, which is Negative. United Community Banks, Inc. has a Earnings Estimate Score of 22, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks or Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks or Inc. is the better investment when it comes to estimate revisions.

Other Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc. Grades

In addition to Estimate Revisions, Momentum and Value, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks or Inc. Stock?

Overall, Eastern Bankshares, Inc. stock has a Value Score of 44, Momentum Score of 76 and Estimate Revisions Score of 36.

United Community Banks, Inc. stock has a Value Score of 62, Momentum Score of 55 and Estimate Revisions Score of 22.

United Community Banks, Inc. stock has a Value Score of 62, Momentum Score of 55 and Estimate Revisions Score of 22.

Comparing Eastern Bankshares, Inc., United Community Banks, Inc., United Community Banks and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.