PEBK
Price
$37.03
Change
-$0.23 (-0.62%)
Updated
Dec 26 closing price
Capitalization
196.59M
Intraday BUY SELL Signals
UVSP
Price
$33.36
Change
-$0.21 (-0.63%)
Updated
Dec 26 closing price
Capitalization
949.95M
32 days until earnings call
Intraday BUY SELL Signals
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PEBK vs UVSP

Header iconPEBK vs UVSP Comparison
Open Charts PEBK vs UVSPBanner chart's image
Peoples Bancorp of North Carolina
Price$37.03
Change-$0.23 (-0.62%)
Volume$4.06K
Capitalization196.59M
Univest Financial
Price$33.36
Change-$0.21 (-0.63%)
Volume$133.07K
Capitalization949.95M
PEBK vs UVSP Comparison Chart in %
PEBK
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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PEBK vs. UVSP commentary
Dec 28, 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 PEBK is a StrongBuy and UVSP is a Buy.

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COMPARISON
Comparison
Dec 28, 2025
Stock price -- (PEBK: $37.03 vs. UVSP: $33.36)
Brand notoriety: PEBK and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: PEBK: 40% vs. UVSP: 94%
Market capitalization -- PEBK: $196.59M vs. UVSP: $949.95M
PEBK [@Regional Banks] is valued at $196.59M. UVSP’s [@Regional Banks] market capitalization is $949.95M. 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).

PEBK’s FA Score shows that 0 FA rating(s) are green whileUVSP’s FA Score has 1 green FA rating(s).

  • PEBK’s FA Score: 0 green, 5 red.
  • UVSP’s FA Score: 1 green, 4 red.
According to our system of comparison, both PEBK 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.

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

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

Price Growth

PEBK (@Regional Banks) experienced а -2.19% price change this week, while UVSP (@Regional Banks) price change was -2.20% 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

UVSP is expected to report earnings on Jan 28, 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
UVSP($950M) has a higher market cap than PEBK($197M). PEBK has higher P/E ratio than UVSP: PEBK (12.10) vs UVSP (11.19). PEBK YTD gains are higher at: 21.723 vs. UVSP (16.421). UVSP has more cash in the bank: 70.8M vs. PEBK (33M). PEBK has less debt than UVSP: PEBK (19.3M) vs UVSP (359M). UVSP has higher revenues than PEBK: UVSP (320M) vs PEBK (73.5M).
PEBKUVSPPEBK / UVSP
Capitalization197M950M21%
EBITDAN/AN/A-
Gain YTD21.72316.421132%
P/E Ratio12.1011.19108%
Revenue73.5M320M23%
Total Cash33M70.8M47%
Total Debt19.3M359M5%
FUNDAMENTALS RATINGS
PEBK vs UVSP: Fundamental Ratings
PEBK
UVSP
OUTLOOK RATING
1..100
2664
VALUATION
overvalued / fair valued / undervalued
1..100
51
Fair valued
35
Fair valued
PROFIT vs RISK RATING
1..100
4534
SMR RATING
1..100
4926
PRICE GROWTH RATING
1..100
4147
P/E GROWTH RATING
1..100
3657
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.

UVSP's Valuation (35) in the Regional Banks industry is in the same range as PEBK (51). This means that UVSP’s stock grew similarly to PEBK’s over the last 12 months.

UVSP's Profit vs Risk Rating (34) in the Regional Banks industry is in the same range as PEBK (45). This means that UVSP’s stock grew similarly to PEBK’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as PEBK (49). This means that UVSP’s stock grew similarly to PEBK’s over the last 12 months.

PEBK's Price Growth Rating (41) in the Regional Banks industry is in the same range as UVSP (47). This means that PEBK’s stock grew similarly to UVSP’s over the last 12 months.

PEBK's P/E Growth Rating (36) in the Regional Banks industry is in the same range as UVSP (57). This means that PEBK’s stock grew similarly to UVSP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PEBKUVSP
RSI
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
70%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
59%
Bullish Trend 2 days ago
65%
Momentum
ODDS (%)
N/A
Bearish Trend 2 days ago
67%
MACD
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
73%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
51%
Advances
ODDS (%)
Bullish Trend 10 days ago
69%
Bullish Trend 17 days ago
55%
Declines
ODDS (%)
Bearish Trend 5 days ago
63%
Bearish Trend 5 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
80%
Aroon
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
40%
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PEBK
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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PEBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, PEBK has been closely correlated with MCBS. These tickers have moved in lockstep 68% of the time. This A.I.-generated data suggests there is a high statistical probability that if PEBK jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PEBK
1D Price
Change %
PEBK100%
-0.62%
MCBS - PEBK
68%
Closely correlated
-0.89%
FMBH - PEBK
67%
Closely correlated
-0.30%
UVSP - PEBK
67%
Closely correlated
-0.63%
FCBC - PEBK
67%
Closely correlated
-0.29%
BCML - PEBK
67%
Closely correlated
+1.61%
More

UVSP and

Correlation & Price change

A.I.dvisor indicates that over the last year, UVSP has been closely correlated with IBCP. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if UVSP jumps, then IBCP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVSP
1D Price
Change %
UVSP100%
-0.63%
IBCP - UVSP
86%
Closely correlated
-1.22%
BY - UVSP
86%
Closely correlated
-0.40%
PEBO - UVSP
86%
Closely correlated
-0.46%
CTBI - UVSP
86%
Closely correlated
-0.81%
EFSC - UVSP
86%
Closely correlated
-0.07%
More