FRME
Price
$38.27
Change
-$0.08 (-0.21%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
2.22B
27 days until earnings call
Intraday BUY SELL Signals
USCB
Price
$18.71
Change
-$0.32 (-1.68%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
344.64M
27 days until earnings call
Intraday BUY SELL Signals
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FRME vs USCB

Header iconFRME vs USCB Comparison
Open Charts FRME vs USCBBanner chart's image
First Merchants
Price$38.27
Change-$0.08 (-0.21%)
Volume$3.05K
Capitalization2.22B
USCB Financial Holdings
Price$18.71
Change-$0.32 (-1.68%)
Volume$828
Capitalization344.64M
FRME vs USCB Comparison Chart in %
FRME
Daily Signal:
Gain/Loss:
USCB
Daily Signal:
Gain/Loss:
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VS
FRME vs. USCB 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 FRME is a Buy and USCB is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (FRME: $38.35 vs. USCB: $19.03)
Brand notoriety: FRME and USCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FRME: 62% vs. USCB: 41%
Market capitalization -- FRME: $2.22B vs. USCB: $344.64M
FRME [@Regional Banks] is valued at $2.22B. USCB’s [@Regional Banks] market capitalization is $344.64M. 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).

FRME’s FA Score shows that 2 FA rating(s) are green whileUSCB’s FA Score has 0 green FA rating(s).

  • FRME’s FA Score: 2 green, 3 red.
  • USCB’s FA Score: 0 green, 5 red.
According to our system of comparison, USCB is a better buy in the long-term than FRME.

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.

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

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

Price Growth

FRME (@Regional Banks) experienced а -1.39% price change this week, while USCB (@Regional Banks) price change was -2.66% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.38%. For the same industry, the average monthly price growth was +3.90%, and the average quarterly price growth was +15.50%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (-0.38% 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
FRME($2.22B) has a higher market cap than USCB($345M). USCB has higher P/E ratio than FRME: USCB (12.12) vs FRME (9.59). USCB YTD gains are higher at: 9.030 vs. FRME (-1.240). FRME has more cash in the bank: 81.6M vs. USCB (6.73M). USCB has less debt than FRME: USCB (56.5M) vs FRME (856M). FRME has higher revenues than USCB: FRME (648M) vs USCB (95.2M).
FRMEUSCBFRME / USCB
Capitalization2.22B345M643%
EBITDAN/AN/A-
Gain YTD-1.2409.030-14%
P/E Ratio9.5912.1279%
Revenue648M95.2M681%
Total Cash81.6M6.73M1,213%
Total Debt856M56.5M1,515%
FUNDAMENTALS RATINGS
FRME: Fundamental Ratings
FRME
OUTLOOK RATING
1..100
10
VALUATION
overvalued / fair valued / undervalued
1..100
29
Undervalued
PROFIT vs RISK RATING
1..100
69
SMR RATING
1..100
16
PRICE GROWTH RATING
1..100
55
P/E GROWTH RATING
1..100
84
SEASONALITY SCORE
1..100
50

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.

TECHNICAL ANALYSIS
Technical Analysis
FRMEUSCB
RSI
ODDS (%)
Bearish Trend 3 days ago
88%
Bearish Trend 3 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
69%
Bearish Trend 3 days ago
65%
Momentum
ODDS (%)
Bearish Trend 3 days ago
69%
Bullish Trend 3 days ago
71%
MACD
ODDS (%)
Bearish Trend 3 days ago
49%
Bearish Trend 3 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
49%
Bullish Trend 3 days ago
68%
Advances
ODDS (%)
Bullish Trend 9 days ago
55%
Bullish Trend 9 days ago
70%
Declines
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
73%
Bearish Trend 3 days ago
78%
Aroon
ODDS (%)
Bullish Trend 3 days ago
42%
Bullish Trend 3 days ago
81%
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FRME
Daily Signal:
Gain/Loss:
USCB
Daily Signal:
Gain/Loss:
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USCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, USCB has been closely correlated with MCBS. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if USCB jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To USCB
1D Price
Change %
USCB100%
-0.05%
MCBS - USCB
73%
Closely correlated
+0.11%
PFBC - USCB
70%
Closely correlated
+0.13%
STEL - USCB
70%
Closely correlated
-0.32%
THFF - USCB
69%
Closely correlated
+0.27%
FRME - USCB
69%
Closely correlated
-0.31%
More