UBFO
Price
$9.00
Change
+$0.46 (+5.39%)
Updated
Oct 17 closing price
Capitalization
158.02M
UCB
Price
$29.96
Change
+$0.48 (+1.63%)
Updated
Oct 17 closing price
Capitalization
3.64B
4 days until earnings call
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UBFO vs UCB

Header iconUBFO vs UCB Comparison
Open Charts UBFO vs UCBBanner chart's image
United Security Bancshares
Price$9.00
Change+$0.46 (+5.39%)
Volume$36.3K
Capitalization158.02M
United Community Banks
Price$29.96
Change+$0.48 (+1.63%)
Volume$672.85K
Capitalization3.64B
UBFO vs UCB Comparison Chart in %
UBFO
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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UBFO vs. UCB commentary
Oct 18, 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 UBFO is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Oct 18, 2025
Stock price -- (UBFO: $9.00 vs. UCB: $29.96)
Brand notoriety: UBFO and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: UBFO: 170% vs. UCB: 113%
Market capitalization -- UBFO: $158.02M vs. UCB: $3.64B
UBFO [@Regional Banks] is valued at $158.02M. UCB’s [@Regional Banks] market capitalization is $3.64B. The market cap for tickers in the [@Regional Banks] industry ranges from $175.41B to $0. The average market capitalization across the [@Regional Banks] industry is $7.76B.

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).

UBFO’s FA Score shows that 2 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

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

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

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

Price Growth

UBFO (@Regional Banks) experienced а +4.53% price change this week, while UCB (@Regional Banks) price change was -1.77% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.16%. For the same industry, the average monthly price growth was -1.57%, and the average quarterly price growth was +15.72%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (-0.16% 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($3.64B) has a higher market cap than UBFO($158M). UBFO (13.85) and UCB (13.62) have similar P/E ratio . UCB YTD gains are higher at: -4.958 vs. UBFO (-6.018). UCB has more cash in the bank: 202M vs. UBFO (44M). UBFO has less debt than UCB: UBFO (14.6M) vs UCB (155M). UCB has higher revenues than UBFO: UCB (953M) vs UBFO (52.3M).
UBFOUCBUBFO / UCB
Capitalization158M3.64B4%
EBITDAN/AN/A-
Gain YTD-6.018-4.958121%
P/E Ratio13.8513.62102%
Revenue52.3M953M5%
Total Cash44M202M22%
Total Debt14.6M155M9%
FUNDAMENTALS RATINGS
UBFO vs UCB: Fundamental Ratings
UBFO
UCB
OUTLOOK RATING
1..100
7611
VALUATION
overvalued / fair valued / undervalued
1..100
65
Fair valued
80
Overvalued
PROFIT vs RISK RATING
1..100
2752
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
9897
P/E GROWTH RATING
1..100
1382
SEASONALITY SCORE
1..100
n/a85

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.

UBFO's Valuation (65) in the Regional Banks industry is in the same range as UCB (80). This means that UBFO’s stock grew similarly to UCB’s over the last 12 months.

UBFO's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as UCB (52). This means that UBFO’s stock grew similarly to UCB’s over the last 12 months.

UBFO's SMR Rating (100) in the Regional Banks industry is in the same range as UCB (100). This means that UBFO’s stock grew similarly to UCB’s over the last 12 months.

UCB's Price Growth Rating (97) in the Regional Banks industry is in the same range as UBFO (98). This means that UCB’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's P/E Growth Rating (13) in the Regional Banks industry is significantly better than the same rating for UCB (82). This means that UBFO’s stock grew significantly faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
UBFOUCB
RSI
ODDS (%)
Bullish Trend 3 days ago
67%
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
63%
Bearish Trend 3 days ago
71%
Momentum
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
73%
MACD
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
69%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
45%
Bearish Trend 3 days ago
69%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
43%
Bearish Trend 3 days ago
65%
Advances
ODDS (%)
Bullish Trend 5 days ago
61%
Bullish Trend 5 days ago
59%
Declines
ODDS (%)
Bearish Trend 9 days ago
44%
Bearish Trend 3 days ago
70%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
57%
Bullish Trend 3 days ago
70%
Aroon
ODDS (%)
Bullish Trend 3 days ago
70%
Bearish Trend 3 days ago
65%
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UBFO
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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UBFO and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBFO has been closely correlated with UCB. These tickers have moved in lockstep 68% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBFO jumps, then UCB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBFO
1D Price
Change %
UBFO100%
+5.39%
UCB - UBFO
68%
Closely correlated
+1.63%
SHBI - UBFO
68%
Closely correlated
+1.51%
CWBC - UBFO
68%
Closely correlated
+2.53%
VLY - UBFO
67%
Closely correlated
+0.82%
WTFC - UBFO
67%
Closely correlated
+2.08%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with FNB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+1.63%
FNB - UCB
92%
Closely correlated
+3.00%
WSFS - UCB
92%
Closely correlated
+1.97%
HWC - UCB
92%
Closely correlated
+1.38%
UBSI - UCB
91%
Closely correlated
+2.68%
FULT - UCB
91%
Closely correlated
+1.79%
More