FXNC
Price
$25.78
Change
+$0.20 (+0.78%)
Updated
Dec 11 closing price
Capitalization
232.3M
54 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$32.42
Change
+$0.04 (+0.12%)
Updated
Dec 11 closing price
Capitalization
3.94B
39 days until earnings call
Intraday BUY SELL Signals
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FXNC vs UCB

Header iconFXNC vs UCB Comparison
Open Charts FXNC vs UCBBanner chart's image
First National
Price$25.78
Change+$0.20 (+0.78%)
Volume$44.53K
Capitalization232.3M
United Community Banks
Price$32.42
Change+$0.04 (+0.12%)
Volume$662.05K
Capitalization3.94B
FXNC vs UCB Comparison Chart in %
FXNC
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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VS
FXNC vs. UCB commentary
Dec 13, 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 FXNC is a StrongBuy and UCB is a StrongBuy.

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COMPARISON
Comparison
Dec 13, 2025
Stock price -- (FXNC: $25.78 vs. UCB: $32.42)
Brand notoriety: FXNC and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FXNC: 244% vs. UCB: 100%
Market capitalization -- FXNC: $232.3M vs. UCB: $3.94B
FXNC [@Regional Banks] is valued at $232.3M. UCB’s [@Regional Banks] market capitalization is $3.94B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.36B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

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).

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

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

FXNC’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

FXNC (@Regional Banks) experienced а +4.67% price change this week, while UCB (@Regional Banks) price change was +3.38% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

FXNC is expected to report earnings on Feb 04, 2026.

UCB is expected to report earnings on Jan 20, 2026.

Industries' Descriptions

@Regional Banks (+2.16% 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($3.94B) has a higher market cap than FXNC($232M). FXNC has higher P/E ratio than UCB: FXNC (23.65) vs UCB (12.87). FXNC YTD gains are higher at: 14.363 vs. UCB (2.846). UCB has more cash in the bank: 202M vs. FXNC (27.4M). FXNC has less debt than UCB: FXNC (55.4M) vs UCB (155M). UCB has higher revenues than FXNC: UCB (953M) vs FXNC (78.6M).
FXNCUCBFXNC / UCB
Capitalization232M3.94B6%
EBITDAN/AN/A-
Gain YTD14.3632.846505%
P/E Ratio23.6512.87184%
Revenue78.6M953M8%
Total Cash27.4M202M14%
Total Debt55.4M155M36%
FUNDAMENTALS RATINGS
FXNC vs UCB: Fundamental Ratings
FXNC
UCB
OUTLOOK RATING
1..100
2515
VALUATION
overvalued / fair valued / undervalued
1..100
83
Overvalued
76
Overvalued
PROFIT vs RISK RATING
1..100
3063
SMR RATING
1..100
6013
PRICE GROWTH RATING
1..100
4453
P/E GROWTH RATING
1..100
4289
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 (76) in the Regional Banks industry is in the same range as FXNC (83). This means that UCB’s stock grew similarly to FXNC’s over the last 12 months.

FXNC's Profit vs Risk Rating (30) in the Regional Banks industry is somewhat better than the same rating for UCB (63). This means that FXNC’s stock grew somewhat faster than UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is somewhat better than the same rating for FXNC (60). This means that UCB’s stock grew somewhat faster than FXNC’s over the last 12 months.

FXNC's Price Growth Rating (44) in the Regional Banks industry is in the same range as UCB (53). This means that FXNC’s stock grew similarly to UCB’s over the last 12 months.

FXNC's P/E Growth Rating (42) in the Regional Banks industry is somewhat better than the same rating for UCB (89). This means that FXNC’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FXNCUCB
RSI
ODDS (%)
Bearish Trend 2 days ago
54%
Bearish Trend 3 days ago
65%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
47%
Bearish Trend 3 days ago
66%
Momentum
ODDS (%)
Bullish Trend 2 days ago
52%
Bullish Trend 3 days ago
59%
MACD
ODDS (%)
N/A
Bullish Trend 3 days ago
57%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 3 days ago
56%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 3 days ago
52%
Advances
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 3 days ago
55%
Declines
ODDS (%)
Bearish Trend 5 days ago
54%
Bearish Trend 15 days ago
71%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 3 days ago
68%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 3 days ago
44%
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FXNC
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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FXNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FXNC has been closely correlated with CWBC. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FXNC jumps, then CWBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FXNC
1D Price
Change %
FXNC100%
+0.78%
CWBC - FXNC
75%
Closely correlated
+0.85%
ASB - FXNC
73%
Closely correlated
+0.26%
TFC - FXNC
73%
Closely correlated
+0.28%
WBS - FXNC
72%
Closely correlated
-0.09%
UCB - FXNC
71%
Closely correlated
+0.12%
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 92% 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%
+0.12%
WSFS - UCB
92%
Closely correlated
+0.91%
UBSI - UCB
91%
Closely correlated
+0.64%
HWC - UCB
91%
Closely correlated
+0.20%
FNB - UCB
91%
Closely correlated
+0.46%
TRMK - UCB
90%
Closely correlated
+0.59%
More