IBCP
Price
$31.43
Change
+$0.06 (+0.19%)
Updated
Sep 26, 04:02 PM (EDT)
Capitalization
649.45M
32 days until earnings call
UVSP
Price
$30.64
Change
+$0.10 (+0.33%)
Updated
Sep 26, 04:59 PM (EDT)
Capitalization
879.71M
26 days until earnings call
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IBCP vs UVSP

Header iconIBCP vs UVSP Comparison
Open Charts IBCP vs UVSPBanner chart's image
Independent Bank
Price$31.43
Change+$0.06 (+0.19%)
Volume$100
Capitalization649.45M
Univest Financial
Price$30.64
Change+$0.10 (+0.33%)
Volume$418
Capitalization879.71M
IBCP vs UVSP Comparison Chart in %
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IBCP
Daily Signalchanged days ago
Gain/Loss if bought
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UVSP
Daily Signalchanged days ago
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IBCP vs. UVSP commentary
Sep 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 IBCP is a StrongBuy and UVSP is a StrongBuy.

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COMPARISON
Comparison
Sep 27, 2025
Stock price -- (IBCP: $31.36 vs. UVSP: $30.54)
Brand notoriety: IBCP and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: IBCP: 88% vs. UVSP: 69%
Market capitalization -- IBCP: $649.45M vs. UVSP: $879.71M
IBCP [@Regional Banks] is valued at $649.45M. UVSP’s [@Regional Banks] market capitalization is $879.71M. The market cap for tickers in the [@Regional Banks] industry ranges from $164.29B to $0. The average market capitalization across the [@Regional Banks] industry is $7.84B.

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).

IBCP’s FA Score shows that 3 FA rating(s) are green whileUVSP’s FA Score has 2 green FA rating(s).

  • IBCP’s FA Score: 3 green, 2 red.
  • UVSP’s FA Score: 2 green, 3 red.
According to our system of comparison, both IBCP and UVSP are a good buy in the long-term.

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.

IBCP’s TA Score shows that 4 TA indicator(s) are bullish while UVSP’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

IBCP (@Regional Banks) experienced а -1.91% price change this week, while UVSP (@Regional Banks) price change was -3.39% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.20%. For the same industry, the average monthly price growth was +1.02%, and the average quarterly price growth was +13.62%.

Reported Earning Dates

IBCP is expected to report earnings on Oct 28, 2025.

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

Industries' Descriptions

@Regional Banks (-0.20% 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
UVSP($880M) has a higher market cap than IBCP($649M). UVSP has higher P/E ratio than IBCP: UVSP (11.19) vs IBCP (10.25). UVSP YTD gains are higher at: 5.781 vs. IBCP (-7.750). UVSP (76.6M) and IBCP (74.4M) have equal amount of cash in the bank . IBCP has less debt than UVSP: IBCP (181M) vs UVSP (380M). UVSP has higher revenues than IBCP: UVSP (310M) vs IBCP (216M).
IBCPUVSPIBCP / UVSP
Capitalization649M880M74%
EBITDAN/AN/A-
Gain YTD-7.7505.781-134%
P/E Ratio10.2511.1992%
Revenue216M310M70%
Total Cash74.4M76.6M97%
Total Debt181M380M48%
FUNDAMENTALS RATINGS
IBCP vs UVSP: Fundamental Ratings
IBCP
UVSP
OUTLOOK RATING
1..100
5958
VALUATION
overvalued / fair valued / undervalued
1..100
33
Fair valued
33
Fair valued
PROFIT vs RISK RATING
1..100
2534
SMR RATING
1..100
2828
PRICE GROWTH RATING
1..100
5954
P/E GROWTH RATING
1..100
4746
SEASONALITY SCORE
1..100
n/an/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.

IBCP's Valuation (33) in the Regional Banks industry is in the same range as UVSP (33). This means that IBCP’s stock grew similarly to UVSP’s over the last 12 months.

IBCP's Profit vs Risk Rating (25) in the Regional Banks industry is in the same range as UVSP (34). This means that IBCP’s stock grew similarly to UVSP’s over the last 12 months.

IBCP's SMR Rating (28) in the Regional Banks industry is in the same range as UVSP (28). This means that IBCP’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's Price Growth Rating (54) in the Regional Banks industry is in the same range as IBCP (59). This means that UVSP’s stock grew similarly to IBCP’s over the last 12 months.

UVSP's P/E Growth Rating (46) in the Regional Banks industry is in the same range as IBCP (47). This means that UVSP’s stock grew similarly to IBCP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
IBCPUVSP
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
70%
Momentum
ODDS (%)
Bearish Trend 2 days ago
55%
Bearish Trend 2 days ago
74%
MACD
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
63%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 3 days ago
63%
Bullish Trend 9 days ago
58%
Declines
ODDS (%)
Bearish Trend 5 days ago
64%
Bearish Trend 2 days ago
63%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
61%
Aroon
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
56%
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IBCP
Daily Signalchanged days ago
Gain/Loss if bought
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UVSP
Daily Signalchanged days ago
Gain/Loss if bought
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IBCP and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
-0.85%
MCBS - IBCP
89%
Closely correlated
-0.66%
CTBI - IBCP
89%
Closely correlated
-0.18%
BY - IBCP
89%
Closely correlated
+0.39%
STBA - IBCP
89%
Closely correlated
-0.78%
FMBH - IBCP
89%
Closely correlated
-0.21%
More

UVSP and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVSP
1D Price
Change %
UVSP100%
-0.49%
EFSC - UVSP
89%
Closely correlated
-0.53%
STBA - UVSP
89%
Closely correlated
-0.78%
HFWA - UVSP
88%
Closely correlated
-0.16%
IBCP - UVSP
88%
Closely correlated
-0.85%
CTBI - UVSP
88%
Closely correlated
-0.18%
More