Advertisement
FFIN vs UCB
Which Stock Would AI Choose? First Financial Bankshares (FFIN) vs. United Community Banks (UCB) Stock Comparison
Key Takeaways
- Both FFIN and UCB are regional banks with market caps near $4 billion, demonstrating stability amid recent market volatility.
- UCB shows stronger recent momentum with a 14% rise over the past month compared to FFIN's 12% gain.
- FFIN boasts higher profitability metrics, including a 42% profit margin and 14.6% ROE (return on equity), versus UCB's 32% margin and 9.3% ROE.
- UCB trades at a lower PE ratio (price-to-earnings) of 13.1 compared to FFIN's 17.7, suggesting better relative valuation.
- Both offer solid dividend yields around 2.3-2.9%, appealing to income-focused investors in the current environment.
- Year-to-date performance is closely matched, with UCB at 10.8% and FFIN at 10%.
Introduction
This comparison examines FFIN and UCB, two regional banks operating in the U.S. Southeast and Texas markets. Investors and traders analyzing sector peers often evaluate relative performance, valuation, and momentum to identify opportunities amid interest rate fluctuations and economic shifts. With similar profiles in market cap and dividend yields, this analysis highlights contrasts in profitability, recent price action, and growth drivers, aiding decisions on portfolio positioning or sector rotation strategies.
FFIN Overview and Recent Performance
First Financial Bankshares, Inc. (FFIN) is a Texas-based bank holding company overseeing community banks focused on commercial and retail banking, loans, and deposits. In recent market activity, shares have climbed about 12% over the past month, trading around $32.64 with a 52-week range of $28.12-$38.74. Key influences include strong Q1 2026 earnings, with EPS (earnings per share) of $0.50 beating estimates and profit up 16.6%, alongside insider buying activity. These factors have bolstered sentiment, though shares remain below recent highs amid broader regional bank pressures.
UCB Overview and Recent Performance
United Community Banks, Inc. (UCB) operates community banks across the Southeast U.S., emphasizing relationship banking, mortgages, and small business lending. Recent weeks have seen shares advance roughly 14% monthly to around $34.31, within a 52-week range of $24.68-$36.77. Positive drivers include robust quarterly revenue growth of 10.9% year-over-year and analyst upgrades, contributing to heightened trading volume and optimistic positioning relative to peers.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases 25 top-performing AI trading bots curated from over 350 available models that trade thousands of tickers across stocks, ETFs, and crypto. These bots employ diverse strategies, from trend-following to scalping, with timeframes ranging from 15 minutes to 60 days and tickers per bot from 1 to 25. Standouts include annualized returns up to +167.82%, win rates of 53-87%, and profit factors reaching 11.70. For instance, bots targeting semiconductors or small-caps have delivered +96% to +121% returns recently. This section highlights bots best suited to current volatility. Explore Trending AI Robots to align automated strategies with your trading style.
Head-to-Head Comparison
Both FFIN and UCB pursue community banking models centered on deposits, loans, and fee income, with low betas around 0.83-0.84 indicating reduced market sensitivity. FFIN differentiates via superior efficiency, evidenced by higher ROA (return on assets) at 1.78% and ROTCE (return on tangible common equity), suiting conservative growth seekers. UCB counters with larger revenue ($1B ttm vs. $622M) and a 43% one-year outperformance, driven by M&A (mergers and acquisitions) potential in the Southeast. Recent momentum favors UCB (weekly +4.85% vs. +3.04%), while risks like NCOs (net charge-offs) remain low for both amid stable NII (net interest income). Sentiment tilts positive on earnings beats, with UCB's lower PE offering value trade-offs against FFIN's margin edge.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward UCB with higher probability, citing consistent recent momentum, attractive valuation at 13x earnings, and stronger one-year returns amid regional bank recovery. FFIN remains competitive on profitability but lags in price trend consistency. This positioning reflects observable catalysts like revenue beats, though shifts could occur with new data.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
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 FFIN is a Hold and UCB is a StrongBuy.
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).
FFIN’s FA Score shows that 0 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).
- FFIN’s FA Score: 0 green, 5 red.
- UCB’s FA Score: 1 green, 4 red.
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.
FFIN’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 6 bullish TA indicator(s).
- FFIN’s TA Score: 5 bullish, 4 bearish.
- UCB’s TA Score: 6 bullish, 2 bearish.
Price Growth
FFIN (@Regional Banks) experienced а -0.72% price change this week, while UCB (@Regional Banks) price change was -0.21% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FFIN is expected to report earnings on Jul 16, 2026.
UCB is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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.
| FFIN | UCB | FFIN / UCB | |
| Capitalization | 4.8B | 4.08B | 118% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.305 | 8.596 | 143% |
| P/E Ratio | 17.98 | 12.23 | 147% |
| Revenue | 635M | 1.07B | 59% |
| Total Cash | 265M | 177M | 150% |
| Total Debt | 21.1M | 120M | 18% |
FFIN | UCB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 31 | 18 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 87 Overvalued | 46 Fair valued | |
PROFIT vs RISK RATING 1..100 | 100 | 94 | |
SMR RATING 1..100 | 34 | 28 | |
PRICE GROWTH RATING 1..100 | 50 | 49 | |
P/E GROWTH RATING 1..100 | 70 | 61 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
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.
UCB's Valuation (46) in the Regional Banks industry is somewhat better than the same rating for FFIN (87). This means that UCB’s stock grew somewhat faster than FFIN’s over the last 12 months.
UCB's Profit vs Risk Rating (94) in the Regional Banks industry is in the same range as FFIN (100). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.
UCB's SMR Rating (28) in the Regional Banks industry is in the same range as FFIN (34). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.
UCB's Price Growth Rating (49) in the Regional Banks industry is in the same range as FFIN (50). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.
UCB's P/E Growth Rating (61) in the Regional Banks industry is in the same range as FFIN (70). This means that UCB’s stock grew similarly to FFIN’s over the last 12 months.
| FFIN | UCB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 72% | N/A |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 66% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 66% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 54% |
| Advances ODDS (%) | 2 days ago 58% | 2 days ago 57% |
| Declines ODDS (%) | 23 days ago 65% | 8 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 74% | N/A |
| Aroon ODDS (%) | 2 days ago 46% | 2 days ago 46% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| RSPU | 79.59 | 0.57 | +0.72% |
| Invesco S&P 500® Equal Weight Utilts ETF | |||
| PCCE | 12.51 | N/A | N/A |
| Polen Capital China Growth ETF | |||
| SEPW | 33.31 | -0.01 | -0.03% |
| AllianzIM US Equity Buffer20 Sep ETF | |||
| SGOL | 39.89 | -0.27 | -0.67% |
| abrdn Physical Gold Shares ETF | |||
| AZYY | 15.18 | -0.23 | -1.51% |
| Graniteshares YieldBOOST AMZN ETF | |||
FFIN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FFIN has been closely correlated with UBSI. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if FFIN jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To FFIN | 1D Price Change % | ||
|---|---|---|---|---|
| FFIN | 100% | +1.01% | ||
| UBSI - FFIN | 85% Closely correlated | +1.17% | ||
| UCB - FFIN | 84% Closely correlated | +1.61% | ||
| SFNC - FFIN | 84% Closely correlated | +1.28% | ||
| HWC - FFIN | 84% Closely correlated | +0.78% | ||
| TRMK - FFIN | 83% Closely correlated | +0.90% | ||
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.
| Ticker / NAME | Correlation To UCB | 1D Price Change % | ||
|---|---|---|---|---|
| UCB | 100% | +1.61% | ||
| UBSI - UCB | 91% Closely correlated | +1.17% | ||
| AUB - UCB | 90% Closely correlated | +1.17% | ||
| CATY - UCB | 90% Closely correlated | +1.42% | ||
| FULT - UCB | 89% Closely correlated | +0.66% | ||
| ASB - UCB | 88% Closely correlated | +0.62% | ||
More | ||||