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 Enterprise Financial Services Corp, 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 Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc.

Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, New Mexico, and in the United States. It provides interest and non-interest-bearing demand, money markets accounts, savings, and certificates of deposit. The company also provides commercial and industrial, commercial real estate, real estate construction and development, residential real estate, small business administration, consumer, and other loan products. In addition, it offers treasury management and international trade services; life insurance premium and sponsor finance; tax credit related lending; tax credit brokerage services; other deposit accounts, such as community associations, property management, legal industry and escrow services; treasury management product and services; customized solutions and products; cash management systems; fiduciary, investment management, and financial advisory services; and customer hedging products, international banking, card services, and tax credit businesses. Further, the company provides online, device applications, text, and voice banking; remote deposit capture; internet banking, mobile banking, cash management, positive pay, fraud detection and prevention, automated payables, check image, and statement and document imaging services; and controlled disbursements, repurchase agreements, and sweep investment accounts. Financial Services Corp was founded in 1988 and is headquartered in Clayton, Missouri.

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 Enterprise Financial Services Corp, United Community Banks, Inc. Stock News

As of August 19, 2026, Enterprise Financial Services Corp had a $2.3 billion market capitalization, compared to the Banks median of $736.5 million. Enterprise Financial Services Corp’s stock is up 18.5% in 2026, down 3.7% in the previous five trading days and up 11.46% in the past year.

Currently, Enterprise Financial Services Corp’s price-earnings ratio is 12.6. Enterprise Financial Services Corp’s trailing 12-month revenue is $695.7 million with a 27.4% net profit margin. Year-over-year quarterly sales growth most recently was 1.2%. Analysts expect adjusted earnings to reach $5.312 per share for the current fiscal year. Enterprise Financial Services Corp currently has a 2.2% dividend yield.

As of August 19, 2026, United Community Banks, Inc. had a $4.3 billion market cap, putting it in the 64th percentile of all stocks. United Community Banks, Inc.’s stock is up 13.8% in 2026, down 3.3% in the previous five trading days and up 14.44% in the past year.

Currently, United Community Banks, Inc.’s price-earnings ratio is 11.7. United Community Banks, Inc.’s trailing 12-month revenue is $1.1 billion with a 34.1% net profit margin. Year-over-year quarterly sales growth most recently was 24.4%. 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 Enterprise Financial Services Corp, 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 Enterprise Financial Services Corp, 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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Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc. Growth Grades

Company	Ticker	Growth
Enterprise Financial Services Corp	EFSC	B
United Community Banks, Inc.	UCB	A
United Community Banks, Inc.	UCB	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Enterprise Financial Services Corp has a Growth Score of 69, which is Strong. United Community Banks, Inc. has a Growth Score of 83, which is Very Strong. United Community Banks, Inc. has a Growth Score of 83, which is Very Strong.

The Growth Grade Winner: United Community Banks, Inc.

As you can clearly see from the Growth Grade breakdown above, United Community Banks, Inc. has a more attractive growth grade than Enterprise Financial Services Corp. For investors who focus solely on how a company is growing relative to other companies in the same industry, 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.

Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc.’s Momentum Grades

Company	Ticker	Momentum
Enterprise Financial Services Corp	EFSC	C
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%.

Enterprise Financial Services Corp has a Momentum Score of 49, which is Average. United Community Banks, Inc. has a Momentum Score of 52, which is Average. United Community Banks, Inc. has a Momentum Score of 52, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks or Inc. has a strong enough Momentum Grade to 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 Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks or Inc. is the better investment when it comes to momentum.

Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Enterprise Financial Services Corp	EFSC	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.

Enterprise Financial Services Corp has a Earnings Estimate Score of 21, which is Negative. United Community Banks, Inc. has a Earnings Estimate Score of 24, which is Negative. United Community Banks, Inc. has a Earnings Estimate Score of 24, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Enterprise Financial Services Corp, 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 Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks or Inc. is the better investment when it comes to estimate revisions.

Other Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks and Inc. Grades

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

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 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 Enterprise Financial Services Corp, 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, Enterprise Financial Services Corp, United Community Banks, Inc., United Community Banks or Inc. Stock?

Overall, Enterprise Financial Services Corp stock has a Growth Score of 69, Momentum Score of 49 and Estimate Revisions Score of 21.

United Community Banks, Inc. stock has a Growth Score of 83, Momentum Score of 52 and Estimate Revisions Score of 24.

United Community Banks, Inc. stock has a Growth Score of 83, Momentum Score of 52 and Estimate Revisions Score of 24.

Comparing Enterprise Financial Services Corp, 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.