TFSL
Price
$13.98
Change
-$0.12 (-0.85%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
3.96B
34 days until earnings call
Intraday BUY SELL Signals
UBSI
Price
$39.50
Change
-$0.06 (-0.15%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
5.51B
27 days until earnings call
Intraday BUY SELL Signals
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TFSL vs UBSI

Header iconTFSL vs UBSI Comparison
Open Charts TFSL vs UBSIBanner chart's image
TFS Financial
Price$13.98
Change-$0.12 (-0.85%)
Volume$2.92K
Capitalization3.96B
United Bankshares
Price$39.50
Change-$0.06 (-0.15%)
Volume$16.79K
Capitalization5.51B
TFSL vs UBSI Comparison Chart in %
TFSL
Daily Signal:
Gain/Loss:
UBSI
Daily Signal:
Gain/Loss:
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TFSL vs. UBSI commentary
Dec 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 TFSL is a Buy and UBSI is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (TFSL: $14.10 vs. UBSI: $39.56)
Brand notoriety: TFSL and UBSI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: TFSL: 47% vs. UBSI: 35%
Market capitalization -- TFSL: $3.96B vs. UBSI: $5.51B
TFSL [@Regional Banks] is valued at $3.96B. UBSI’s [@Regional Banks] market capitalization is $5.51B. 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).

TFSL’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).

  • TFSL’s FA Score: 1 green, 4 red.
  • UBSI’s FA Score: 1 green, 4 red.
According to our system of comparison, UBSI is a better buy in the long-term than TFSL.

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.

TFSL’s TA Score shows that 3 TA indicator(s) are bullish while UBSI’s TA Score has 6 bullish TA indicator(s).

  • TFSL’s TA Score: 3 bullish, 5 bearish.
  • UBSI’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, UBSI is a better buy in the short-term than TFSL.

Price Growth

TFSL (@Regional Banks) experienced а -0.49% price change this week, while UBSI (@Regional Banks) price change was -1.76% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.38%. For the same industry, the average monthly price growth was +3.90%, and the average quarterly price growth was +15.50%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (-0.38% 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
UBSI($5.51B) has a higher market cap than TFSL($3.96B). TFSL has higher P/E ratio than UBSI: TFSL (44.06) vs UBSI (12.97). TFSL YTD gains are higher at: 19.795 vs. UBSI (8.662). UBSI has more cash in the bank: 327M vs. TFSL (28.8M). UBSI has less debt than TFSL: UBSI (627M) vs TFSL (4.9B). UBSI has higher revenues than TFSL: UBSI (1.18B) vs TFSL (321M).
TFSLUBSITFSL / UBSI
Capitalization3.96B5.51B72%
EBITDAN/AN/A-
Gain YTD19.7958.662229%
P/E Ratio44.0612.97340%
Revenue321M1.18B27%
Total Cash28.8M327M9%
Total Debt4.9B627M782%
FUNDAMENTALS RATINGS
TFSL vs UBSI: Fundamental Ratings
TFSL
UBSI
OUTLOOK RATING
1..100
254
VALUATION
overvalued / fair valued / undervalued
1..100
96
Overvalued
45
Fair valued
PROFIT vs RISK RATING
1..100
7745
SMR RATING
1..100
2512
PRICE GROWTH RATING
1..100
5150
P/E GROWTH RATING
1..100
5363
SEASONALITY SCORE
1..100
150

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.

UBSI's Valuation (45) in the Regional Banks industry is somewhat better than the same rating for TFSL (96) in the Savings Banks industry. This means that UBSI’s stock grew somewhat faster than TFSL’s over the last 12 months.

UBSI's Profit vs Risk Rating (45) in the Regional Banks industry is in the same range as TFSL (77) in the Savings Banks industry. This means that UBSI’s stock grew similarly to TFSL’s over the last 12 months.

UBSI's SMR Rating (12) in the Regional Banks industry is in the same range as TFSL (25) in the Savings Banks industry. This means that UBSI’s stock grew similarly to TFSL’s over the last 12 months.

UBSI's Price Growth Rating (50) in the Regional Banks industry is in the same range as TFSL (51) in the Savings Banks industry. This means that UBSI’s stock grew similarly to TFSL’s over the last 12 months.

TFSL's P/E Growth Rating (53) in the Savings Banks industry is in the same range as UBSI (63) in the Regional Banks industry. This means that TFSL’s stock grew similarly to UBSI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TFSLUBSI
RSI
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
79%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
63%
Momentum
ODDS (%)
Bullish Trend 3 days ago
60%
Bullish Trend 3 days ago
55%
MACD
ODDS (%)
Bearish Trend 3 days ago
52%
Bullish Trend 3 days ago
45%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
61%
Bearish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
60%
Bullish Trend 3 days ago
49%
Advances
ODDS (%)
Bullish Trend 8 days ago
52%
Bullish Trend 16 days ago
51%
Declines
ODDS (%)
Bearish Trend 4 days ago
60%
Bearish Trend 8 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
57%
Bearish Trend 3 days ago
76%
Aroon
ODDS (%)
Bullish Trend 3 days ago
30%
Bullish Trend 3 days ago
45%
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TFSL
Daily Signal:
Gain/Loss:
UBSI
Daily Signal:
Gain/Loss:
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TFSL and

Correlation & Price change

A.I.dvisor indicates that over the last year, TFSL has been closely correlated with STBA. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if TFSL jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TFSL
1D Price
Change %
TFSL100%
+0.28%
STBA - TFSL
77%
Closely correlated
-0.34%
FHB - TFSL
76%
Closely correlated
-0.11%
TRMK - TFSL
75%
Closely correlated
-0.15%
UBSI - TFSL
75%
Closely correlated
+0.08%
FRME - TFSL
75%
Closely correlated
-0.31%
More

UBSI and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBSI
1D Price
Change %
UBSI100%
+0.08%
HWC - UBSI
89%
Closely correlated
-0.46%
WSFS - UBSI
89%
Closely correlated
+0.11%
TRMK - UBSI
89%
Closely correlated
-0.15%
UCB - UBSI
89%
Closely correlated
+0.25%
AUB - UBSI
89%
Closely correlated
+0.69%
More