FBNC
Price
$52.22
Change
-$0.63 (-1.19%)
Updated
Aug 15 closing price
Capitalization
2.17B
66 days until earnings call
UCB
Price
$31.21
Change
-$0.35 (-1.11%)
Updated
Aug 15 closing price
Capitalization
3.79B
65 days until earnings call
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FBNC vs UCB

Header iconFBNC vs UCB Comparison
Open Charts FBNC vs UCBBanner chart's image
First Ban
Price$52.22
Change-$0.63 (-1.19%)
Volume$267.21K
Capitalization2.17B
United Community Banks
Price$31.21
Change-$0.35 (-1.11%)
Volume$580.55K
Capitalization3.79B
FBNC vs UCB Comparison Chart in %
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FBNC
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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FBNC vs. UCB commentary
Aug 18, 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 FBNC is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Aug 18, 2025
Stock price -- (FBNC: $52.22 vs. UCB: $31.21)
Brand notoriety: FBNC and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FBNC: 94% vs. UCB: 84%
Market capitalization -- FBNC: $2.17B vs. UCB: $3.79B
FBNC [@Regional Banks] is valued at $2.17B. UCB’s [@Regional Banks] market capitalization is $3.79B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.7B to $0. The average market capitalization across the [@Regional Banks] industry is $7.93B.

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).

FBNC’s FA Score shows that 3 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

  • FBNC’s FA Score: 3 green, 2 red.
  • UCB’s FA Score: 1 green, 4 red.
According to our system of comparison, FBNC 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.

FBNC’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 7 bullish TA indicator(s).

  • FBNC’s TA Score: 5 bullish, 4 bearish.
  • UCB’s TA Score: 7 bullish, 3 bearish.
According to our system of comparison, UCB is a better buy in the short-term than FBNC.

Price Growth

FBNC (@Regional Banks) experienced а +5.94% price change this week, while UCB (@Regional Banks) price change was +5.08% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.64%. For the same industry, the average monthly price growth was +2.46%, and the average quarterly price growth was +8.68%.

Reported Earning Dates

FBNC is expected to report earnings on Oct 22, 2025.

UCB is expected to report earnings on Oct 21, 2025.

Industries' Descriptions

@Regional Banks (+1.64% 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($3.79B) has a higher market cap than FBNC($2.17B). FBNC has higher P/E ratio than UCB: FBNC (22.32) vs UCB (14.19). FBNC YTD gains are higher at: 20.045 vs. UCB (-1.756). UCB has more cash in the bank: 198M vs. FBNC (150M). FBNC has less debt than UCB: FBNC (14.7M) vs UCB (254M).
FBNCUCBFBNC / UCB
Capitalization2.17B3.79B57%
EBITDAN/AN/A-
Gain YTD20.045-1.756-1,141%
P/E Ratio22.3214.19157%
RevenueN/AN/A-
Total Cash150M198M76%
Total Debt14.7M254M6%
FUNDAMENTALS RATINGS
FBNC vs UCB: Fundamental Ratings
FBNC
UCB
OUTLOOK RATING
1..100
7755
VALUATION
overvalued / fair valued / undervalued
1..100
81
Overvalued
81
Overvalued
PROFIT vs RISK RATING
1..100
2954
SMR RATING
1..100
2113
PRICE GROWTH RATING
1..100
4152
P/E GROWTH RATING
1..100
1480
SEASONALITY SCORE
1..100
7n/a

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.

FBNC's Valuation (81) in the Regional Banks industry is in the same range as UCB (81). This means that FBNC’s stock grew similarly to UCB’s over the last 12 months.

FBNC's Profit vs Risk Rating (29) in the Regional Banks industry is in the same range as UCB (54). This means that FBNC’s stock grew similarly to UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as FBNC (21). This means that UCB’s stock grew similarly to FBNC’s over the last 12 months.

FBNC's Price Growth Rating (41) in the Regional Banks industry is in the same range as UCB (52). This means that FBNC’s stock grew similarly to UCB’s over the last 12 months.

FBNC's P/E Growth Rating (14) in the Regional Banks industry is significantly better than the same rating for UCB (80). This means that FBNC’s stock grew significantly faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FBNCUCB
RSI
ODDS (%)
Bearish Trend 3 days ago
71%
Bearish Trend 7 days ago
83%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
65%
Bearish Trend 3 days ago
62%
Momentum
ODDS (%)
Bullish Trend 3 days ago
68%
Bullish Trend 3 days ago
61%
MACD
ODDS (%)
Bullish Trend 3 days ago
63%
Bullish Trend 3 days ago
66%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
66%
Bullish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
69%
Bullish Trend 3 days ago
58%
Advances
ODDS (%)
Bullish Trend 4 days ago
66%
Bullish Trend 5 days ago
60%
Declines
ODDS (%)
Bearish Trend 18 days ago
66%
Bearish Trend 3 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
60%
Bullish Trend 3 days ago
62%
Aroon
ODDS (%)
Bullish Trend 3 days ago
62%
Bullish Trend 3 days ago
54%
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FBNC
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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FBNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FBNC has been closely correlated with TCBK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if FBNC jumps, then TCBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FBNC
1D Price
Change %
FBNC100%
-1.19%
TCBK - FBNC
88%
Closely correlated
-1.78%
UCB - FBNC
88%
Closely correlated
-1.11%
TRMK - FBNC
87%
Closely correlated
-1.15%
FFBC - FBNC
87%
Closely correlated
-1.08%
SBCF - FBNC
87%
Closely correlated
-1.61%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with FNB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
-1.11%
FNB - UCB
92%
Closely correlated
-1.63%
HWC - UCB
92%
Closely correlated
-2.24%
FULT - UCB
91%
Closely correlated
-1.44%
ABCB - UCB
91%
Closely correlated
-1.84%
CATY - UCB
91%
Closely correlated
-2.11%
More