FRME
Price
$39.46
Change
-$0.19 (-0.48%)
Updated
Sep 16, 04:59 PM (EDT)
Capitalization
2.29B
42 days until earnings call
UCB
Price
$31.21
Change
-$0.48 (-1.51%)
Updated
Sep 16, 04:59 PM (EDT)
Capitalization
3.85B
35 days until earnings call
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FRME vs UCB

Header iconFRME vs UCB Comparison
Open Charts FRME vs UCBBanner chart's image
First Merchants
Price$39.46
Change-$0.19 (-0.48%)
Volume$4.24K
Capitalization2.29B
United Community Banks
Price$31.21
Change-$0.48 (-1.51%)
Volume$9.28K
Capitalization3.85B
FRME vs UCB Comparison Chart in %
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FRME
Daily Signalchanged days ago
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UCB
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FRME vs. UCB commentary
Sep 17, 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 FRME is a StrongBuy and UCB is a Buy.

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COMPARISON
Comparison
Sep 17, 2025
Stock price -- (FRME: $39.65 vs. UCB: $31.70)
Brand notoriety: FRME and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FRME: 88% vs. UCB: 95%
Market capitalization -- FRME: $2.29B vs. UCB: $3.85B
FRME [@Regional Banks] is valued at $2.29B. UCB’s [@Regional Banks] market capitalization is $3.85B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.18B to $0. The average market capitalization across the [@Regional Banks] industry is $7.97B.

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).

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

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

FRME’s TA Score shows that 6 TA indicator(s) are bullish while UCB’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

FRME (@Regional Banks) experienced а -3.03% price change this week, while UCB (@Regional Banks) price change was -3.37% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.17%. For the same industry, the average monthly price growth was +2.81%, and the average quarterly price growth was +12.96%.

Reported Earning Dates

FRME is expected to report earnings on Oct 28, 2025.

UCB is expected to report earnings on Oct 21, 2025.

Industries' Descriptions

@Regional Banks (+0.17% 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($3.85B) has a higher market cap than FRME($2.29B). UCB has higher P/E ratio than FRME: UCB (14.41) vs FRME (10.30). FRME YTD gains are higher at: 2.108 vs. UCB (0.562). UCB has more cash in the bank: 202M vs. FRME (81.6M). UCB has less debt than FRME: UCB (155M) vs FRME (961M). UCB has higher revenues than FRME: UCB (953M) vs FRME (638M).
FRMEUCBFRME / UCB
Capitalization2.29B3.85B59%
EBITDAN/AN/A-
Gain YTD2.1080.562375%
P/E Ratio10.3014.4171%
Revenue638M953M67%
Total Cash81.6M202M40%
Total Debt961M155M620%
FUNDAMENTALS RATINGS
FRME vs UCB: Fundamental Ratings
FRME
UCB
OUTLOOK RATING
1..100
7358
VALUATION
overvalued / fair valued / undervalued
1..100
39
Fair valued
81
Overvalued
PROFIT vs RISK RATING
1..100
4851
SMR RATING
1..100
1613
PRICE GROWTH RATING
1..100
5148
P/E GROWTH RATING
1..100
6578
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.

FRME's Valuation (39) in the Regional Banks industry is somewhat better than the same rating for UCB (81). This means that FRME’s stock grew somewhat faster than UCB’s over the last 12 months.

FRME's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as UCB (51). This means that FRME’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 FRME (16). This means that UCB’s stock grew similarly to FRME’s over the last 12 months.

UCB's Price Growth Rating (48) in the Regional Banks industry is in the same range as FRME (51). This means that UCB’s stock grew similarly to FRME’s over the last 12 months.

FRME's P/E Growth Rating (65) in the Regional Banks industry is in the same range as UCB (78). This means that FRME’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FRMEUCB
RSI
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
78%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
64%
MACD
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 21 days ago
59%
Bullish Trend 21 days ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
69%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
73%
Bullish Trend 2 days ago
72%
Aroon
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 2 days ago
55%
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FRME
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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