SBCF
Price
$33.82
Change
-$0.20 (-0.59%)
Updated
Jan 16, 04:59 PM (EDT)
Capitalization
3.33B
13 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$33.77
Change
-$0.14 (-0.41%)
Updated
Jan 16, 12:49 PM (EDT)
Capitalization
4.09B
95 days until earnings call
Intraday BUY SELL Signals
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SBCF vs UCB

Header iconSBCF vs UCB Comparison
Open Charts SBCF vs UCBBanner chart's image
Seacoast Banking
Price$33.82
Change-$0.20 (-0.59%)
Volume$9.27K
Capitalization3.33B
United Community Banks
Price$33.77
Change-$0.14 (-0.41%)
Volume$410
Capitalization4.09B
SBCF vs UCB Comparison Chart in %
SBCF
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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SBCF vs. UCB commentary
Jan 16, 2026

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 SBCF is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Jan 16, 2026
Stock price -- (SBCF: $34.02 vs. UCB: $33.91)
Brand notoriety: SBCF and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SBCF: 110% vs. UCB: 131%
Market capitalization -- SBCF: $3.33B vs. UCB: $4.09B
SBCF [@Regional Banks] is valued at $3.33B. UCB’s [@Regional Banks] market capitalization is $4.09B. The market cap for tickers in the [@Regional Banks] industry ranges from $157.87B to $0. The average market capitalization across the [@Regional Banks] industry is $8.85B.

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).

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

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

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

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

Price Growth

SBCF (@Regional Banks) experienced а +3.00% price change this week, while UCB (@Regional Banks) price change was +1.89% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.92%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +14.58%.

Reported Earning Dates

SBCF is expected to report earnings on Jan 29, 2026.

UCB is expected to report earnings on Apr 21, 2026.

Industries' Descriptions

@Regional Banks (+0.92% 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($4.09B) has a higher market cap than SBCF($3.33B). SBCF has higher P/E ratio than UCB: SBCF (20.25) vs UCB (12.94). UCB (8.616) and SBCF (8.275) have similar YTD gains . UCB has more cash in the bank: 205M vs. SBCF (174M). UCB has less debt than SBCF: UCB (155M) vs SBCF (797M). UCB has higher revenues than SBCF: UCB (1.01B) vs SBCF (582M).
SBCFUCBSBCF / UCB
Capitalization3.33B4.09B81%
EBITDAN/AN/A-
Gain YTD8.2758.61696%
P/E Ratio20.2512.94156%
Revenue582M1.01B57%
Total Cash174M205M85%
Total Debt797M155M514%
FUNDAMENTALS RATINGS
SBCF vs UCB: Fundamental Ratings
SBCF
UCB
OUTLOOK RATING
1..100
1075
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
75
Overvalued
PROFIT vs RISK RATING
1..100
7170
SMR RATING
1..100
1813
PRICE GROWTH RATING
1..100
4749
P/E GROWTH RATING
1..100
4990
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 SBCF (77). This means that UCB’s stock grew similarly to SBCF’s over the last 12 months.

UCB's Profit vs Risk Rating (70) in the Regional Banks industry is in the same range as SBCF (71). This means that UCB’s stock grew similarly to SBCF’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as SBCF (18). This means that UCB’s stock grew similarly to SBCF’s over the last 12 months.

SBCF's Price Growth Rating (47) in the Regional Banks industry is in the same range as UCB (49). This means that SBCF’s stock grew similarly to UCB’s over the last 12 months.

SBCF's P/E Growth Rating (49) in the Regional Banks industry is somewhat better than the same rating for UCB (90). This means that SBCF’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SBCFUCB
RSI
ODDS (%)
Bearish Trend 2 days ago
86%
Bearish Trend 2 days ago
68%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 2 days ago
66%
Momentum
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
61%
MACD
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
55%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
58%
Bullish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
55%
Declines
ODDS (%)
Bearish Trend 5 days ago
69%
Bearish Trend 4 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
56%
Aroon
ODDS (%)
Bearish Trend 2 days ago
61%
Bullish Trend 2 days ago
47%
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SBCF
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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SBCF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SBCF has been closely correlated with TRMK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SBCF jumps, then TRMK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SBCF
1D Price
Change %
SBCF100%
+3.69%
TRMK - SBCF
88%
Closely correlated
+2.44%
UCB - SBCF
88%
Closely correlated
+1.56%
UBSI - SBCF
87%
Closely correlated
+1.73%
ABCB - SBCF
87%
Closely correlated
+2.13%
WSFS - SBCF
87%
Closely correlated
+1.85%
More