FNLC
Price
$35.10
Change
+$0.16 (+0.46%)
Updated
Jul 31 closing price
Capitalization
395.89M
Intraday BUY SELL Signals
UNB
Price
$23.03
Change
-$0.25 (-1.07%)
Updated
Jul 31 closing price
Capitalization
106.26M
79 days until earnings call
Intraday BUY SELL Signals
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FNLC vs UNB

FNLC vs UNB Comparison Chart in %
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VS
FNLC vs. UNB commentary
Aug 03, 2026

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 FNLC is a Buy and UNB is a StrongBuy.

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COMPARISON
Comparison
Aug 03, 2026
Stock price -- (FNLC: $35.10 vs. UNB: $23.03)
Brand notoriety: FNLC and UNB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 44% vs. UNB: 29%
Market capitalization -- FNLC: $395.89M vs. UNB: $106.26M
FNLC [@Regional Banks] is valued at $395.89M. UNB’s [@Regional Banks] market capitalization is $106.26M. The market cap for tickers in the [@Regional Banks] industry ranges from $142.82B to $0. The average market capitalization across the [@Regional Banks] industry is $6.49B.

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).

FNLC’s FA Score shows that 2 FA rating(s) are green whileUNB’s FA Score has 1 green FA rating(s).

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

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.

FNLC’s TA Score shows that 3 TA indicator(s) are bullish while UNB’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

FNLC (@Regional Banks) experienced а +0.34% price change this week, while UNB (@Regional Banks) price change was -5.77% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.19%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +13.65%.

Reported Earning Dates

UNB is expected to report earnings on Oct 21, 2026.

Industries' Descriptions

@Regional Banks (+1.19% 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
FNLC($396M) has a higher market cap than UNB($106M). FNLC has higher P/E ratio than UNB: FNLC (10.42) vs UNB (8.86). FNLC YTD gains are higher at: 37.802 vs. UNB (1.392). FNLC has more cash in the bank: 23.6M vs. UNB (4.5M). FNLC has less debt than UNB: FNLC (196M) vs UNB (327M). FNLC has higher revenues than UNB: FNLC (98.1M) vs UNB (54.2M).
FNLCUNBFNLC / UNB
Capitalization396M106M374%
EBITDAN/AN/A-
Gain YTD37.8021.3922,715%
P/E Ratio10.428.86118%
Revenue98.1M54.2M181%
Total Cash23.6M4.5M524%
Total Debt196M327M60%
FUNDAMENTALS RATINGS
FNLC vs UNB: Fundamental Ratings
FNLC
UNB
OUTLOOK RATING
1..100
5084
VALUATION
overvalued / fair valued / undervalued
1..100
20
Undervalued
11
Undervalued
PROFIT vs RISK RATING
1..100
30100
SMR RATING
1..100
5654
PRICE GROWTH RATING
1..100
4069
P/E GROWTH RATING
1..100
3887
SEASONALITY SCORE
1..100
75n/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.

UNB's Valuation (11) in the Regional Banks industry is in the same range as FNLC (20). This means that UNB’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Profit vs Risk Rating (30) in the Regional Banks industry is significantly better than the same rating for UNB (100). This means that FNLC’s stock grew significantly faster than UNB’s over the last 12 months.

UNB's SMR Rating (54) in the Regional Banks industry is in the same range as FNLC (56). This means that UNB’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Price Growth Rating (40) in the Regional Banks industry is in the same range as UNB (69). This means that FNLC’s stock grew similarly to UNB’s over the last 12 months.

FNLC's P/E Growth Rating (38) in the Regional Banks industry is somewhat better than the same rating for UNB (87). This means that FNLC’s stock grew somewhat faster than UNB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCUNB
RSI
ODDS (%)
Bearish Trend 4 days ago
61%
Bearish Trend 6 days ago
58%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
53%
Bullish Trend 4 days ago
63%
Momentum
ODDS (%)
Bullish Trend 4 days ago
54%
Bearish Trend 4 days ago
65%
MACD
ODDS (%)
Bearish Trend 4 days ago
62%
Bearish Trend 4 days ago
66%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
53%
Bearish Trend 4 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
55%
Bearish Trend 4 days ago
61%
Advances
ODDS (%)
Bullish Trend 6 days ago
52%
Bullish Trend 19 days ago
66%
Declines
ODDS (%)
Bearish Trend 13 days ago
48%
Bearish Trend 4 days ago
63%
BollingerBands
ODDS (%)
Bearish Trend 6 days ago
62%
N/A
Aroon
ODDS (%)
Bullish Trend 4 days ago
58%
Bearish Trend 4 days ago
62%
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FNLC
Daily Signal:
Gain/Loss:
UNB
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with SRCE. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then SRCE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
+0.46%
SRCE - FNLC
78%
Closely correlated
N/A
THFF - FNLC
78%
Closely correlated
-0.36%
FMBH - FNLC
76%
Closely correlated
+0.33%
HBT - FNLC
76%
Closely correlated
-0.06%
PEBO - FNLC
75%
Closely correlated
+0.24%
More