SPFI
Price
$41.15
Change
+$0.91 (+2.26%)
Updated
Jan 15, 11:59 AM (EDT)
Capitalization
655.11M
11 days until earnings call
Intraday BUY SELL Signals
UVSP
Price
$33.43
Change
+$0.66 (+2.01%)
Updated
Jan 15, 12:10 PM (EDT)
Capitalization
932.01M
13 days until earnings call
Intraday BUY SELL Signals
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SPFI vs UVSP

Header iconSPFI vs UVSP Comparison
Open Charts SPFI vs UVSPBanner chart's image
South Plains Financial
Price$41.15
Change+$0.91 (+2.26%)
Volume$200
Capitalization655.11M
Univest Financial
Price$33.43
Change+$0.66 (+2.01%)
Volume$100
Capitalization932.01M
SPFI vs UVSP Comparison Chart in %
SPFI
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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VS
SPFI vs. UVSP commentary
Jan 15, 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 SPFI is a Hold and UVSP is a Hold.

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COMPARISON
Comparison
Jan 15, 2026
Stock price -- (SPFI: $40.24 vs. UVSP: $32.77)
Brand notoriety: SPFI and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SPFI: 145% vs. UVSP: 96%
Market capitalization -- SPFI: $655.11M vs. UVSP: $932.01M
SPFI [@Regional Banks] is valued at $655.11M. UVSP’s [@Regional Banks] market capitalization is $932.01M. The market cap for tickers in the [@Regional Banks] industry ranges from $157.7B to $0. The average market capitalization across the [@Regional Banks] industry is $8.79B.

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).

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

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

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.

SPFI’s TA Score shows that 5 TA indicator(s) are bullish while UVSP’s TA Score has 1 bullish TA indicator(s).

  • SPFI’s TA Score: 5 bullish, 4 bearish.
  • UVSP’s TA Score: 1 bullish, 6 bearish.
According to our system of comparison, SPFI is a better buy in the short-term than UVSP.

Price Growth

SPFI (@Regional Banks) experienced а +4.26% price change this week, while UVSP (@Regional Banks) price change was +0.49% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.97%. For the same industry, the average monthly price growth was +1.18%, and the average quarterly price growth was +13.82%.

Reported Earning Dates

SPFI is expected to report earnings on Jan 26, 2026.

UVSP is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (+0.97% 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($932M) has a higher market cap than SPFI($655M). SPFI (11.49) and UVSP (10.98) have similar P/E ratio . SPFI YTD gains are higher at: 3.724 vs. UVSP (0.092). UVSP has more cash in the bank: 70.8M vs. SPFI (60.4M). SPFI has less debt than UVSP: SPFI (60.5M) vs UVSP (359M). UVSP has higher revenues than SPFI: UVSP (320M) vs SPFI (204M).
SPFIUVSPSPFI / UVSP
Capitalization655M932M70%
EBITDAN/AN/A-
Gain YTD3.7240.0924,065%
P/E Ratio11.4910.98105%
Revenue204M320M64%
Total Cash60.4M70.8M85%
Total Debt60.5M359M17%
FUNDAMENTALS RATINGS
SPFI vs UVSP: Fundamental Ratings
SPFI
UVSP
OUTLOOK RATING
1..100
6251
VALUATION
overvalued / fair valued / undervalued
1..100
45
Fair valued
32
Undervalued
PROFIT vs RISK RATING
1..100
2238
SMR RATING
1..100
3126
PRICE GROWTH RATING
1..100
5453
P/E GROWTH RATING
1..100
7059
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 (32) in the Regional Banks industry is in the same range as SPFI (45) in the Financial Conglomerates industry. This means that UVSP’s stock grew similarly to SPFI’s over the last 12 months.

SPFI's Profit vs Risk Rating (22) in the Financial Conglomerates industry is in the same range as UVSP (38) in the Regional Banks industry. This means that SPFI’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as SPFI (31) in the Financial Conglomerates industry. This means that UVSP’s stock grew similarly to SPFI’s over the last 12 months.

UVSP's Price Growth Rating (53) in the Regional Banks industry is in the same range as SPFI (54) in the Financial Conglomerates industry. This means that UVSP’s stock grew similarly to SPFI’s over the last 12 months.

UVSP's P/E Growth Rating (59) in the Regional Banks industry is in the same range as SPFI (70) in the Financial Conglomerates industry. This means that UVSP’s stock grew similarly to SPFI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SPFIUVSP
RSI
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
84%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
55%
Bullish Trend 1 day ago
65%
Momentum
ODDS (%)
Bullish Trend 1 day ago
61%
Bearish Trend 1 day ago
66%
MACD
ODDS (%)
Bullish Trend 1 day ago
65%
Bearish Trend 1 day ago
69%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
63%
Bullish Trend 1 day ago
58%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
64%
Bearish Trend 1 day ago
60%
Advances
ODDS (%)
Bullish Trend 1 day ago
57%
N/A
Declines
ODDS (%)
Bearish Trend 9 days ago
61%
Bearish Trend 4 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
61%
Bearish Trend 3 days ago
73%
Aroon
ODDS (%)
Bullish Trend 1 day ago
65%
Bearish Trend 1 day ago
60%
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SPFI
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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SPFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SPFI has been closely correlated with GSBC. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if SPFI jumps, then GSBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SPFI
1D Price
Change %
SPFI100%
+0.66%
GSBC - SPFI
78%
Closely correlated
+1.59%
BFST - SPFI
77%
Closely correlated
+1.64%
UVSP - SPFI
77%
Closely correlated
-0.21%
CTBI - SPFI
76%
Closely correlated
+0.43%
MCBS - SPFI
76%
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%
-0.21%
IBCP - UVSP
86%
Closely correlated
+1.48%
BY - UVSP
86%
Closely correlated
+2.16%
PEBO - UVSP
86%
Closely correlated
+1.61%
EFSC - UVSP
86%
Closely correlated
+1.33%
CTBI - UVSP
86%
Closely correlated
+0.43%
More