TFC
Price
$50.74
Change
+$0.25 (+0.50%)
Updated
Dec 24 closing price
Capitalization
64.91B
26 days until earnings call
Intraday BUY SELL Signals
UBCP
Price
$14.79
Change
+$0.65 (+4.60%)
Updated
Dec 24 closing price
Capitalization
85.4M
27 days until earnings call
Intraday BUY SELL Signals
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TFC vs UBCP

Header iconTFC vs UBCP Comparison
Open Charts TFC vs UBCPBanner chart's image
Truist Financial
Price$50.74
Change+$0.25 (+0.50%)
Volume$2.87M
Capitalization64.91B
United Ban
Price$14.79
Change+$0.65 (+4.60%)
Volume$11.16K
Capitalization85.4M
TFC vs UBCP Comparison Chart in %
TFC
Daily Signal:
Gain/Loss:
UBCP
Daily Signal:
Gain/Loss:
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VS
TFC vs. UBCP commentary
Dec 26, 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 TFC is a StrongBuy and UBCP is a Buy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (TFC: $50.74 vs. UBCP: $14.79)
Brand notoriety: TFC and UBCP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: TFC: 36% vs. UBCP: 202%
Market capitalization -- TFC: $64.91B vs. UBCP: $85.4M
TFC [@Regional Banks] is valued at $64.91B. UBCP’s [@Regional Banks] market capitalization is $85.4M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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).

TFC’s FA Score shows that 3 FA rating(s) are green whileUBCP’s FA Score has 2 green FA rating(s).

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

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.

TFC’s TA Score shows that 4 TA indicator(s) are bullish while UBCP’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

TFC (@Regional Banks) experienced а +1.18% price change this week, while UBCP (@Regional Banks) price change was +8.59% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

TFC is expected to report earnings on Jan 21, 2026.

UBCP is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+0.01% 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
TFC($64.9B) has a higher market cap than UBCP($85.4M). TFC has higher P/E ratio than UBCP: TFC (13.60) vs UBCP (11.29). TFC YTD gains are higher at: 21.338 vs. UBCP (19.925). TFC has more cash in the bank: 5.16B vs. UBCP (7.87M). UBCP has less debt than TFC: UBCP (102M) vs TFC (71.1B). TFC has higher revenues than UBCP: TFC (20.1B) vs UBCP (31.1M).
TFCUBCPTFC / UBCP
Capitalization64.9B85.4M75,995%
EBITDAN/AN/A-
Gain YTD21.33819.925107%
P/E Ratio13.6011.29120%
Revenue20.1B31.1M64,630%
Total Cash5.16B7.87M65,552%
Total Debt71.1B102M69,706%
FUNDAMENTALS RATINGS
TFC vs UBCP: Fundamental Ratings
TFC
UBCP
OUTLOOK RATING
1..100
4191
VALUATION
overvalued / fair valued / undervalued
1..100
65
Fair valued
31
Undervalued
PROFIT vs RISK RATING
1..100
7458
SMR RATING
1..100
457
PRICE GROWTH RATING
1..100
2146
P/E GROWTH RATING
1..100
3225
SEASONALITY SCORE
1..100
8550

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.

UBCP's Valuation (31) in the Regional Banks industry is somewhat better than the same rating for TFC (65) in the null industry. This means that UBCP’s stock grew somewhat faster than TFC’s over the last 12 months.

UBCP's Profit vs Risk Rating (58) in the Regional Banks industry is in the same range as TFC (74) in the null industry. This means that UBCP’s stock grew similarly to TFC’s over the last 12 months.

TFC's SMR Rating (4) in the null industry is somewhat better than the same rating for UBCP (57) in the Regional Banks industry. This means that TFC’s stock grew somewhat faster than UBCP’s over the last 12 months.

TFC's Price Growth Rating (21) in the null industry is in the same range as UBCP (46) in the Regional Banks industry. This means that TFC’s stock grew similarly to UBCP’s over the last 12 months.

UBCP's P/E Growth Rating (25) in the Regional Banks industry is in the same range as TFC (32) in the null industry. This means that UBCP’s stock grew similarly to TFC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TFCUBCP
RSI
ODDS (%)
Bearish Trend 3 days ago
69%
Bearish Trend 3 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
58%
Momentum
ODDS (%)
N/A
Bullish Trend 3 days ago
63%
MACD
ODDS (%)
Bullish Trend 3 days ago
61%
N/A
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 3 days ago
67%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 3 days ago
67%
Advances
ODDS (%)
Bullish Trend 5 days ago
61%
Bullish Trend 5 days ago
68%
Declines
ODDS (%)
N/A
Bearish Trend 10 days ago
51%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
70%
Aroon
ODDS (%)
Bullish Trend 3 days ago
48%
Bullish Trend 3 days ago
62%
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TFC
Daily Signal:
Gain/Loss:
UBCP
Daily Signal:
Gain/Loss:
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TFC and

Correlation & Price change

A.I.dvisor indicates that over the last year, TFC has been closely correlated with CFG. These tickers have moved in lockstep 93% of the time. This A.I.-generated data suggests there is a high statistical probability that if TFC jumps, then CFG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TFC
1D Price
Change %
TFC100%
+0.50%
CFG - TFC
93%
Closely correlated
+0.59%
HBAN - TFC
91%
Closely correlated
+0.06%
FNB - TFC
90%
Closely correlated
+0.17%
FITB - TFC
90%
Closely correlated
+0.25%
KEY - TFC
90%
Closely correlated
+0.43%
More

UBCP and

Correlation & Price change

A.I.dvisor tells us that UBCP and IROQ have been poorly correlated (+30% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that UBCP and IROQ's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBCP
1D Price
Change %
UBCP100%
+4.60%
IROQ - UBCP
30%
Poorly correlated
N/A
TFC - UBCP
27%
Poorly correlated
+0.50%
BKSC - UBCP
26%
Poorly correlated
N/A
CMA - UBCP
26%
Poorly correlated
+0.07%
MGYR - UBCP
26%
Poorly correlated
N/A
More