FGBI
Price
$8.05
Change
-$0.14 (-1.71%)
Updated
Aug 6, 04:59 PM (EDT)
Capitalization
126.92M
One day until earnings call
UBFO
Price
$8.30
Change
-$0.06 (-0.72%)
Updated
Aug 6, 03:49 PM (EDT)
Capitalization
133.04M
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FGBI vs UBFO

Header iconFGBI vs UBFO Comparison
Open Charts FGBI vs UBFOBanner chart's image
First Guaranty Bancshares
Price$8.05
Change-$0.14 (-1.71%)
Volume$594
Capitalization126.92M
United Security Bancshares
Price$8.30
Change-$0.06 (-0.72%)
Volume$100
Capitalization133.04M
FGBI vs UBFO Comparison Chart in %
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FGBI
Daily Signalchanged days ago
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UBFO
Daily Signalchanged days ago
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FGBI vs. UBFO commentary
Aug 07, 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 FGBI is a Hold and UBFO is a Buy.

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COMPARISON
Comparison
Aug 07, 2025
Stock price -- (FGBI: $8.19 vs. UBFO: $8.36)
Brand notoriety: FGBI and UBFO are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FGBI: 11% vs. UBFO: 42%
Market capitalization -- FGBI: $126.92M vs. UBFO: $133.04M
FGBI [@Regional Banks] is valued at $126.92M. UBFO’s [@Regional Banks] market capitalization is $133.04M. 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 $6.06B.

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).

FGBI’s FA Score shows that 1 FA rating(s) are green whileUBFO’s FA Score has 2 green FA rating(s).

  • FGBI’s FA Score: 1 green, 4 red.
  • UBFO’s FA Score: 2 green, 3 red.
According to our system of comparison, UBFO is a better buy in the long-term than FGBI.

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.

FGBI’s TA Score shows that 4 TA indicator(s) are bullish while UBFO’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

FGBI (@Regional Banks) experienced а -7.98% price change this week, while UBFO (@Regional Banks) price change was -5.64% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.19%. For the same industry, the average monthly price growth was +0.20%, and the average quarterly price growth was +6.67%.

Reported Earning Dates

FGBI is expected to report earnings on Nov 18, 2025.

UBFO is expected to report earnings on May 08, 2025.

Industries' Descriptions

@Regional Banks (-0.19% 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
UBFO($133M) and FGBI($127M) have the same market capitalization . FGBI has higher P/E ratio than UBFO: FGBI (16.52) vs UBFO (6.49). UBFO YTD gains are higher at: -13.836 vs. FGBI (-27.721). FGBI has more cash in the bank: 59.6M vs. UBFO (33.2M). UBFO has less debt than FGBI: UBFO (74.6M) vs FGBI (269M). FGBI has higher revenues than UBFO: FGBI (93.5M) vs UBFO (54.8M).
FGBIUBFOFGBI / UBFO
Capitalization127M133M95%
EBITDAN/AN/A-
Gain YTD-27.721-13.836200%
P/E Ratio16.526.49254%
Revenue93.5M54.8M171%
Total Cash59.6M33.2M180%
Total Debt269M74.6M361%
FUNDAMENTALS RATINGS
FGBI vs UBFO: Fundamental Ratings
FGBI
UBFO
OUTLOOK RATING
1..100
39
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
61
Fair valued
PROFIT vs RISK RATING
1..100
10025
SMR RATING
1..100
6653
PRICE GROWTH RATING
1..100
8360
P/E GROWTH RATING
1..100
312
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.

UBFO's Valuation (61) in the Regional Banks industry is in the same range as FGBI (68). This means that UBFO’s stock grew similarly to FGBI’s over the last 12 months.

UBFO's Profit vs Risk Rating (25) in the Regional Banks industry is significantly better than the same rating for FGBI (100). This means that UBFO’s stock grew significantly faster than FGBI’s over the last 12 months.

UBFO's SMR Rating (53) in the Regional Banks industry is in the same range as FGBI (66). This means that UBFO’s stock grew similarly to FGBI’s over the last 12 months.

UBFO's Price Growth Rating (60) in the Regional Banks industry is in the same range as FGBI (83). This means that UBFO’s stock grew similarly to FGBI’s over the last 12 months.

FGBI's P/E Growth Rating (3) in the Regional Banks industry is in the same range as UBFO (12). This means that FGBI’s stock grew similarly to UBFO’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FGBIUBFO
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
58%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
59%
Momentum
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
38%
MACD
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
40%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
43%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
43%
Advances
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 9 days ago
61%
Declines
ODDS (%)
Bearish Trend 22 days ago
72%
Bearish Trend 6 days ago
45%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
67%
Aroon
ODDS (%)
Bullish Trend 2 days ago
64%
N/A
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FGBI
Daily Signalchanged days ago
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UBFO
Daily Signalchanged days ago
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FGBI and

Correlation & Price change

A.I.dvisor tells us that FGBI and TFC have been poorly correlated (+30% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that FGBI and TFC's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FGBI
1D Price
Change %
FGBI100%
+0.61%
TFC - FGBI
30%
Poorly correlated
+0.02%
CZWI - FGBI
29%
Poorly correlated
+1.13%
FCCO - FGBI
29%
Poorly correlated
+0.12%
HBAN - FGBI
29%
Poorly correlated
-0.43%
UBFO - FGBI
29%
Poorly correlated
-1.07%
More

UBFO and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBFO has been loosely correlated with WAL. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if UBFO jumps, then WAL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBFO
1D Price
Change %
UBFO100%
-1.07%
WAL - UBFO
63%
Loosely correlated
+1.81%
FHN - UBFO
62%
Loosely correlated
+0.05%
BRKL - UBFO
62%
Loosely correlated
+0.39%
EWBC - UBFO
62%
Loosely correlated
-0.77%
ABCB - UBFO
62%
Loosely correlated
+0.92%
More