FFIN
Price
$30.86
Change
-$0.10 (-0.32%)
Updated
Dec 24 closing price
Capitalization
4.42B
28 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
20 days until earnings call
Intraday BUY SELL Signals
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FFIN vs UCB

Header iconFFIN vs UCB Comparison
Open Charts FFIN vs UCBBanner chart's image
First Financial Bankshares
Price$30.86
Change-$0.10 (-0.32%)
Volume$272.89K
Capitalization4.42B
United Community Banks
Price$32.52
Change+$0.08 (+0.25%)
Volume$328.09K
Capitalization3.95B
FFIN vs UCB Comparison Chart in %
FFIN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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VS
FFIN vs. UCB commentary
Dec 25, 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 Hold and UCB is a StrongBuy.

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COMPARISON
Comparison
Dec 25, 2025
Stock price -- (FFIN: $30.86 vs. UCB: $32.52)
Brand notoriety: FFIN and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FFIN: 37% vs. UCB: 48%
Market capitalization -- FFIN: $4.42B vs. UCB: $3.95B
FFIN [@Regional Banks] is valued at $4.42B. 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 $8.64B.

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 whileUCB’s FA Score has 1 green FA rating(s).

  • FFIN’s FA Score: 1 green, 4 red.
  • UCB’s FA Score: 1 green, 4 red.
According to our system of comparison, UCB 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 4 TA indicator(s) are bullish while UCB’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

FFIN (@Regional Banks) experienced а -1.37% 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

FFIN is expected to report earnings on Jan 22, 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
FFIN($4.42B) has a higher market cap than UCB($3.95B). FFIN has higher P/E ratio than UCB: FFIN (18.26) vs UCB (12.90). UCB YTD gains are higher at: 3.163 vs. FFIN (-13.035). FFIN has more cash in the bank: 264M vs. UCB (202M). FFIN has less debt than UCB: FFIN (21.1M) vs UCB (155M). UCB has higher revenues than FFIN: UCB (1.01B) vs FFIN (600M).
FFINUCBFFIN / UCB
Capitalization4.42B3.95B112%
EBITDAN/AN/A-
Gain YTD-13.0353.163-412%
P/E Ratio18.2612.90142%
Revenue600M1.01B59%
Total Cash264M202M131%
Total Debt21.1M155M14%
FUNDAMENTALS RATINGS
FFIN vs UCB: Fundamental Ratings
FFIN
UCB
OUTLOOK RATING
1..100
578
VALUATION
overvalued / fair valued / undervalued
1..100
83
Overvalued
75
Overvalued
PROFIT vs RISK RATING
1..100
10068
SMR RATING
1..100
1613
PRICE GROWTH RATING
1..100
7651
P/E GROWTH RATING
1..100
8389
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 FFIN (83). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.

UCB's Profit vs Risk Rating (68) in the Regional Banks industry is in the same range as FFIN (100). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as FFIN (16). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.

UCB's Price Growth Rating (51) in the Regional Banks industry is in the same range as FFIN (76). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.

FFIN's P/E Growth Rating (83) in the Regional Banks industry is in the same range as UCB (89). This means that FFIN’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FFINUCB
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
58%
Bearish Trend 2 days ago
75%
Momentum
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 7 days ago
55%
MACD
ODDS (%)
Bearish Trend 2 days ago
76%
N/A
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bullish Trend 2 days ago
56%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
61%
Bullish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 15 days ago
59%
Bullish Trend 15 days ago
55%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 7 days ago
70%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
82%
Aroon
ODDS (%)
Bullish Trend 2 days ago
52%
Bullish Trend 2 days ago
42%
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FFIN
Daily Signal:
Gain/Loss:
UCB
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%
STEL - FFIN
87%
Closely correlated
-0.32%
CATY - FFIN
86%
Closely correlated
+0.36%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with WSFS. 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 WSFS could also see price increases.

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