BFIN
Price
$12.35
Change
-$0.02 (-0.16%)
Updated
Dec 24 closing price
Capitalization
153.89M
33 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$32.52
Change
+$0.08 (+0.25%)
Updated
Dec 24 closing price
Capitalization
3.95B
19 days until earnings call
Intraday BUY SELL Signals
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BFIN vs UCB

Header iconBFIN vs UCB Comparison
Open Charts BFIN vs UCBBanner chart's image
BankFinancial
Price$12.35
Change-$0.02 (-0.16%)
Volume$9.33K
Capitalization153.89M
United Community Banks
Price$32.52
Change+$0.08 (+0.25%)
Volume$328.09K
Capitalization3.95B
BFIN vs UCB Comparison Chart in %
BFIN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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BFIN vs. UCB commentary
Dec 26, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BFIN is a StrongBuy and UCB is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (BFIN: $12.35 vs. UCB: $32.52)
Brand notoriety: BFIN and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BFIN: 24% vs. UCB: 48%
Market capitalization -- BFIN: $153.89M vs. UCB: $3.95B
BFIN [@Regional Banks] is valued at $153.89M. UCB’s [@Regional Banks] market capitalization is $3.95B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BFIN’s FA Score shows that 2 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

  • BFIN’s FA Score: 2 green, 3 red.
  • UCB’s FA Score: 1 green, 4 red.
According to our system of comparison, BFIN is a better buy in the long-term than UCB.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BFIN’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 4 bullish TA indicator(s).

  • BFIN’s TA Score: 5 bullish, 5 bearish.
  • UCB’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, BFIN is a better buy in the short-term than UCB.

Price Growth

BFIN (@Regional Banks) experienced а -3.59% price change this week, while UCB (@Regional Banks) price change was +0.18% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

BFIN is expected to report earnings on Jan 28, 2026.

UCB is expected to report earnings on Jan 14, 2026.

Industries' Descriptions

@Regional Banks (+0.01% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UCB($3.95B) has a higher market cap than BFIN($154M). BFIN has higher P/E ratio than UCB: BFIN (65.00) vs UCB (12.90). UCB YTD gains are higher at: 3.163 vs. BFIN (-0.321). UCB has more cash in the bank: 202M vs. BFIN (20.3M). BFIN has less debt than UCB: BFIN (28.3M) vs UCB (155M). UCB has higher revenues than BFIN: UCB (1.01B) vs BFIN (53M).
BFINUCBBFIN / UCB
Capitalization154M3.95B4%
EBITDAN/AN/A-
Gain YTD-0.3213.163-10%
P/E Ratio65.0012.90504%
Revenue53M1.01B5%
Total Cash20.3M202M10%
Total Debt28.3M155M18%
FUNDAMENTALS RATINGS
BFIN vs UCB: Fundamental Ratings
BFIN
UCB
OUTLOOK RATING
1..100
9112
VALUATION
overvalued / fair valued / undervalued
1..100
95
Overvalued
75
Overvalued
PROFIT vs RISK RATING
1..100
3168
SMR RATING
1..100
8113
PRICE GROWTH RATING
1..100
5150
P/E GROWTH RATING
1..100
589
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UCB's Valuation (75) in the Regional Banks industry is in the same range as BFIN (95) in the Savings Banks industry. This means that UCB’s stock grew similarly to BFIN’s over the last 12 months.

BFIN's Profit vs Risk Rating (31) in the Savings Banks industry is somewhat better than the same rating for UCB (68) in the Regional Banks industry. This means that BFIN’s stock grew somewhat faster than UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is significantly better than the same rating for BFIN (81) in the Savings Banks industry. This means that UCB’s stock grew significantly faster than BFIN’s over the last 12 months.

UCB's Price Growth Rating (50) in the Regional Banks industry is in the same range as BFIN (51) in the Savings Banks industry. This means that UCB’s stock grew similarly to BFIN’s over the last 12 months.

BFIN's P/E Growth Rating (5) in the Savings Banks industry is significantly better than the same rating for UCB (89) in the Regional Banks industry. This means that BFIN’s stock grew significantly faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFINUCB
RSI
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
61%
Bearish Trend 3 days ago
75%
Momentum
ODDS (%)
Bearish Trend 3 days ago
52%
N/A
MACD
ODDS (%)
Bearish Trend 3 days ago
58%
N/A
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
47%
Bullish Trend 3 days ago
56%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
53%
Bullish Trend 3 days ago
52%
Advances
ODDS (%)
Bullish Trend 16 days ago
57%
Bullish Trend 16 days ago
55%
Declines
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 8 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
54%
Bearish Trend 3 days ago
82%
Aroon
ODDS (%)
Bullish Trend 3 days ago
62%
Bullish Trend 3 days ago
42%
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BFIN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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BFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFIN has been loosely correlated with TMP. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if BFIN jumps, then TMP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFIN
1D Price
Change %
BFIN100%
-0.16%
TMP - BFIN
65%
Loosely correlated
+0.27%
HFWA - BFIN
65%
Loosely correlated
-0.20%
TRMK - BFIN
65%
Loosely correlated
-0.15%
STBA - BFIN
64%
Loosely correlated
-0.34%
UCB - BFIN
64%
Loosely correlated
+0.25%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with UBSI. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+0.25%
UBSI - UCB
91%
Closely correlated
+0.08%
WSFS - UCB
91%
Closely correlated
+0.11%
FNB - UCB
91%
Closely correlated
+0.17%
HWC - UCB
91%
Closely correlated
-0.46%
TRMK - UCB
90%
Closely correlated
-0.15%
More