TOWN
Price
$36.20
Change
-$0.83 (-2.24%)
Updated
Feb 21 closing price
Capitalization
2.06B
60 days until earnings call
UCB
Price
$31.89
Change
-$0.68 (-2.09%)
Updated
Feb 21 closing price
Capitalization
3.13B
58 days until earnings call
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TOWN vs UCB

Header iconTOWN vs UCB Comparison
Open Charts TOWN vs UCBBanner chart's image
TowneBank
Price$36.20
Change-$0.83 (-2.24%)
Volume$447.41K
Capitalization2.06B
United Community Banks
Price$31.89
Change-$0.68 (-2.09%)
Volume$500.17K
Capitalization3.13B
TOWN vs UCB Comparison Chart
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TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
Gain/Loss if bought
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TOWN vs. UCB commentary
Feb 24, 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 TOWN is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Feb 24, 2025
Stock price -- (TOWN: $36.20 vs. UCB: $31.89)
Brand notoriety: TOWN and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: TOWN: 200% vs. UCB: 77%
Market capitalization -- TOWN: $2.06B vs. UCB: $3.13B
TOWN [@Regional Banks] is valued at $2.06B. UCB’s [@Regional Banks] market capitalization is $3.13B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $5.88B.

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).

TOWN’s FA Score shows that 3 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

  • TOWN’s FA Score: 3 green, 2 red.
  • UCB’s FA Score: 1 green, 4 red.
According to our system of comparison, TOWN 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.

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

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

Price Growth

TOWN (@Regional Banks) experienced а -1.74% price change this week, while UCB (@Regional Banks) price change was -4.72% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.87%. For the same industry, the average monthly price growth was +1.98%, and the average quarterly price growth was +10.06%.

Reported Earning Dates

TOWN is expected to report earnings on Apr 24, 2025.

UCB is expected to report earnings on Apr 22, 2025.

Industries' Descriptions

@Regional Banks (-0.87% 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($3.13B) has a higher market cap than TOWN($2.06B). UCB has higher P/E ratio than TOWN: UCB (16.42) vs TOWN (13.37). TOWN YTD gains are higher at: 6.283 vs. UCB (-1.300). UCB has more cash in the bank: 201M vs. TOWN (83.9M). UCB has less debt than TOWN: UCB (325M) vs TOWN (460M). UCB has higher revenues than TOWN: UCB (872M) vs TOWN (695M).
TOWNUCBTOWN / UCB
Capitalization2.06B3.13B66%
EBITDAN/AN/A-
Gain YTD6.283-1.300-483%
P/E Ratio13.3716.4281%
Revenue695M872M80%
Total Cash83.9M201M42%
Total Debt460M325M142%
FUNDAMENTALS RATINGS
TOWN vs UCB: Fundamental Ratings
TOWN
UCB
OUTLOOK RATING
1..100
1022
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
78
Overvalued
PROFIT vs RISK RATING
1..100
2672
SMR RATING
1..100
1311
PRICE GROWTH RATING
1..100
4347
P/E GROWTH RATING
1..100
1762
SEASONALITY SCORE
1..100
n/an/a

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.

TOWN's Valuation (76) in the Regional Banks industry is in the same range as UCB (78). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's Profit vs Risk Rating (26) in the Regional Banks industry is somewhat better than the same rating for UCB (72). This means that TOWN’s stock grew somewhat faster than UCB’s over the last 12 months.

UCB's SMR Rating (11) in the Regional Banks industry is in the same range as TOWN (13). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's Price Growth Rating (43) in the Regional Banks industry is in the same range as UCB (47). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's P/E Growth Rating (17) in the Regional Banks industry is somewhat better than the same rating for UCB (62). This means that TOWN’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TOWNUCB
RSI
ODDS (%)
Bearish Trend 6 days ago
63%
N/A
Stochastic
ODDS (%)
Bearish Trend 6 days ago
73%
Bearish Trend 6 days ago
74%
Momentum
ODDS (%)
N/A
Bullish Trend 6 days ago
62%
MACD
ODDS (%)
N/A
Bearish Trend 6 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 6 days ago
62%
Bearish Trend 6 days ago
71%
TrendMonth
ODDS (%)
Bullish Trend 6 days ago
60%
Bullish Trend 6 days ago
60%
Advances
ODDS (%)
Bullish Trend 18 days ago
58%
Bullish Trend 18 days ago
61%
Declines
ODDS (%)
Bearish Trend 21 days ago
58%
N/A
BollingerBands
ODDS (%)
Bearish Trend 6 days ago
70%
Bearish Trend 6 days ago
73%
Aroon
ODDS (%)
Bullish Trend 6 days ago
60%
Bullish Trend 6 days ago
57%
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TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
Gain/Loss if bought
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TOWN and

Correlation & Price change

A.I.dvisor indicates that over the last year, TOWN has been closely correlated with UBSI. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if TOWN jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TOWN
1D Price
Change %
TOWN100%
-2.24%
UBSI - TOWN
90%
Closely correlated
-3.37%
THFF - TOWN
88%
Closely correlated
-3.31%
FMBH - TOWN
88%
Closely correlated
-1.33%
UCB - TOWN
88%
Closely correlated
-2.09%
NWBI - TOWN
88%
Closely correlated
-0.63%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with ABCB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then ABCB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
-2.09%
ABCB - UCB
91%
Closely correlated
-2.13%
FFBC - UCB
91%
Closely correlated
-1.64%
HWC - UCB
89%
Closely correlated
-2.24%
FCF - UCB
89%
Closely correlated
-0.98%
WABC - UCB
89%
Closely correlated
-1.66%
More