TOWN
Price
$33.69
Change
-$0.33 (-0.97%)
Updated
Dec 26 closing price
Capitalization
2.66B
26 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$32.27
Change
-$0.25 (-0.77%)
Updated
Dec 26 closing price
Capitalization
3.92B
18 days until earnings call
Intraday BUY SELL Signals
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TOWN vs UCB

Header iconTOWN vs UCB Comparison
Open Charts TOWN vs UCBBanner chart's image
TowneBank
Price$33.69
Change-$0.33 (-0.97%)
Volume$351.83K
Capitalization2.66B
United Community Banks
Price$32.27
Change-$0.25 (-0.77%)
Volume$478.45K
Capitalization3.92B
TOWN vs UCB Comparison Chart in %
TOWN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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VS
TOWN vs. UCB 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 TOWN is a Buy and UCB is a StrongBuy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (TOWN: $33.69 vs. UCB: $32.27)
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: 107% vs. UCB: 70%
Market capitalization -- TOWN: $2.66B vs. UCB: $3.92B
TOWN [@Regional Banks] is valued at $2.66B. UCB’s [@Regional Banks] market capitalization is $3.92B. The market cap for tickers in the [@Regional Banks] industry ranges from $170.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.63B.

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

  • TOWN’s FA Score: 1 green, 4 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 5 TA indicator(s) are bullish while UCB’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

TOWN (@Regional Banks) experienced а -3.55% price change this week, while UCB (@Regional Banks) price change was +0.03% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +3.93%, and the average quarterly price growth was +15.53%.

Reported Earning Dates

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

UCB is expected to report earnings on Jan 14, 2026.

Industries' Descriptions

@Regional Banks (-0.29% 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($3.92B) has a higher market cap than TOWN($2.66B). TOWN has higher P/E ratio than UCB: TOWN (15.11) vs UCB (12.81). UCB YTD gains are higher at: 2.370 vs. TOWN (1.192). UCB has more cash in the bank: 202M vs. TOWN (149M). UCB has less debt than TOWN: UCB (155M) vs TOWN (336M). UCB has higher revenues than TOWN: UCB (1.01B) vs TOWN (791M).
TOWNUCBTOWN / UCB
Capitalization2.66B3.92B68%
EBITDAN/AN/A-
Gain YTD1.1922.37050%
P/E Ratio15.1112.81118%
Revenue791M1.01B78%
Total Cash149M202M74%
Total Debt336M155M217%
FUNDAMENTALS RATINGS
TOWN vs UCB: Fundamental Ratings
TOWN
UCB
OUTLOOK RATING
1..100
7569
VALUATION
overvalued / fair valued / undervalued
1..100
57
Fair valued
75
Overvalued
PROFIT vs RISK RATING
1..100
3465
SMR RATING
1..100
1613
PRICE GROWTH RATING
1..100
5650
P/E GROWTH RATING
1..100
6689
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.

TOWN's Valuation (57) in the Regional Banks industry is in the same range as UCB (75). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's Profit vs Risk Rating (34) in the Regional Banks industry is in the same range as UCB (65). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as TOWN (16). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

UCB's Price Growth Rating (50) in the Regional Banks industry is in the same range as TOWN (56). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's P/E Growth Rating (66) in the Regional Banks industry is in the same range as UCB (89). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TOWNUCB
RSI
ODDS (%)
Bearish Trend 1 day ago
62%
Bearish Trend 1 day ago
78%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
66%
Bearish Trend 1 day ago
72%
Momentum
ODDS (%)
Bearish Trend 1 day ago
61%
Bearish Trend 1 day ago
73%
MACD
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
69%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
60%
Bearish Trend 1 day ago
69%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
53%
Bullish Trend 1 day ago
52%
Advances
ODDS (%)
Bullish Trend 10 days ago
57%
Bullish Trend 17 days ago
55%
Declines
ODDS (%)
Bearish Trend 1 day ago
56%
Bearish Trend 9 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 1 day ago
76%
Aroon
ODDS (%)
Bullish Trend 1 day ago
48%
Bullish Trend 1 day ago
41%
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TOWN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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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 86% 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%
-0.97%
UBSI - TOWN
86%
Closely correlated
-0.15%
TRMK - TOWN
85%
Closely correlated
-0.37%
PEBO - TOWN
84%
Closely correlated
-0.46%
UCB - TOWN
84%
Closely correlated
-0.77%
FMBH - TOWN
84%
Closely correlated
-0.30%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with UBSI. 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 UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
-0.77%
UBSI - UCB
91%
Closely correlated
-0.15%
WSFS - UCB
91%
Closely correlated
-0.33%
FNB - UCB
91%
Closely correlated
-0.28%
HWC - UCB
91%
Closely correlated
-0.23%
TRMK - UCB
90%
Closely correlated
-0.37%
More