FFIN
Price
$30.85
Change
-$0.01 (-0.03%)
Updated
Dec 26 closing price
Capitalization
4.42B
26 days until earnings call
Intraday BUY SELL Signals
UBSI
Price
$39.50
Change
-$0.06 (-0.15%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
5.51B
26 days until earnings call
Intraday BUY SELL Signals
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FFIN vs UBSI

Header iconFFIN vs UBSI Comparison
Open Charts FFIN vs UBSIBanner chart's image
First Financial Bankshares
Price$30.85
Change-$0.01 (-0.03%)
Volume$510.57K
Capitalization4.42B
United Bankshares
Price$39.50
Change-$0.06 (-0.15%)
Volume$16.79K
Capitalization5.51B
FFIN vs UBSI Comparison Chart in %
FFIN
Daily Signal:
Gain/Loss:
UBSI
Daily Signal:
Gain/Loss:
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FFIN vs. UBSI commentary
Dec 27, 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 FFIN is a Buy and UBSI is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (FFIN: $30.85 vs. UBSI: $39.50)
Brand notoriety: FFIN and UBSI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FFIN: 69% vs. UBSI: 61%
Market capitalization -- FFIN: $4.42B vs. UBSI: $5.5B
FFIN [@Regional Banks] is valued at $4.42B. UBSI’s [@Regional Banks] market capitalization is $5.5B. The market cap for tickers in the [@Regional Banks] industry ranges from $170.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.63B.

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).

FFIN’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).

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

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.

FFIN’s TA Score shows that 3 TA indicator(s) are bullish while UBSI’s TA Score has 4 bullish TA indicator(s).

  • FFIN’s TA Score: 3 bullish, 5 bearish.
  • UBSI’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, FFIN is a better buy in the short-term than UBSI.

Price Growth

FFIN (@Regional Banks) experienced а -0.68% price change this week, while UBSI (@Regional Banks) price change was -1.10% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +3.93%, and the average quarterly price growth was +15.53%.

Reported Earning Dates

FFIN is expected to report earnings on Jan 22, 2026.

UBSI is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (-0.29% 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
UBSI($5.51B) has a higher market cap than FFIN($4.42B). FFIN has higher P/E ratio than UBSI: FFIN (18.26) vs UBSI (12.97). UBSI YTD gains are higher at: 8.662 vs. FFIN (-13.035). UBSI has more cash in the bank: 327M vs. FFIN (264M). FFIN has less debt than UBSI: FFIN (21.1M) vs UBSI (627M). UBSI has higher revenues than FFIN: UBSI (1.18B) vs FFIN (600M).
FFINUBSIFFIN / UBSI
Capitalization4.42B5.51B80%
EBITDAN/AN/A-
Gain YTD-13.0358.662-150%
P/E Ratio18.2612.97141%
Revenue600M1.18B51%
Total Cash264M327M81%
Total Debt21.1M627M3%
FUNDAMENTALS RATINGS
FFIN vs UBSI: Fundamental Ratings
FFIN
UBSI
OUTLOOK RATING
1..100
584
VALUATION
overvalued / fair valued / undervalued
1..100
83
Overvalued
45
Fair valued
PROFIT vs RISK RATING
1..100
10045
SMR RATING
1..100
1612
PRICE GROWTH RATING
1..100
7650
P/E GROWTH RATING
1..100
8363
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.

UBSI's Valuation (45) in the Regional Banks industry is somewhat better than the same rating for FFIN (83). This means that UBSI’s stock grew somewhat faster than FFIN’s over the last 12 months.

UBSI's Profit vs Risk Rating (45) in the Regional Banks industry is somewhat better than the same rating for FFIN (100). This means that UBSI’s stock grew somewhat faster than FFIN’s over the last 12 months.

UBSI's SMR Rating (12) in the Regional Banks industry is in the same range as FFIN (16). This means that UBSI’s stock grew similarly to FFIN’s over the last 12 months.

UBSI's Price Growth Rating (50) in the Regional Banks industry is in the same range as FFIN (76). This means that UBSI’s stock grew similarly to FFIN’s over the last 12 months.

UBSI's P/E Growth Rating (63) in the Regional Banks industry is in the same range as FFIN (83). This means that UBSI’s stock grew similarly to FFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FFINUBSI
RSI
ODDS (%)
N/A
Bearish Trend 4 days ago
79%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
58%
Bearish Trend 4 days ago
63%
Momentum
ODDS (%)
Bearish Trend 4 days ago
66%
Bullish Trend 4 days ago
55%
MACD
ODDS (%)
Bearish Trend 4 days ago
76%
Bullish Trend 4 days ago
45%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
61%
Bearish Trend 4 days ago
60%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
61%
Bullish Trend 4 days ago
49%
Advances
ODDS (%)
Bullish Trend 17 days ago
59%
Bullish Trend 17 days ago
51%
Declines
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 9 days ago
58%
BollingerBands
ODDS (%)
N/A
Bearish Trend 4 days ago
76%
Aroon
ODDS (%)
Bullish Trend 4 days ago
52%
Bullish Trend 4 days ago
45%
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FFIN
Daily Signal:
Gain/Loss:
UBSI
Daily Signal:
Gain/Loss:
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FFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, FFIN has been closely correlated with HWC. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if FFIN jumps, then HWC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FFIN
1D Price
Change %
FFIN100%
-0.32%
HWC - FFIN
87%
Closely correlated
-0.46%
UCB - FFIN
87%
Closely correlated
+0.25%
UBSI - FFIN
87%
Closely correlated
+0.08%
CATY - FFIN
86%
Closely correlated
+0.36%
TRMK - FFIN
86%
Closely correlated
-0.15%
More

UBSI and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBSI has been closely correlated with HWC. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBSI jumps, then HWC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBSI
1D Price
Change %
UBSI100%
+0.08%
HWC - UBSI
89%
Closely correlated
-0.46%
WSFS - UBSI
89%
Closely correlated
+0.11%
TRMK - UBSI
89%
Closely correlated
-0.15%
UCB - UBSI
89%
Closely correlated
+0.25%
AUB - UBSI
89%
Closely correlated
+0.69%
More