IBCP
Price
$30.35
Change
+$0.27 (+0.90%)
Updated
Nov 19 closing price
Capitalization
628M
63 days until earnings call
Intraday BUY SELL Signals
UVSP
Price
$30.14
Change
+$0.22 (+0.74%)
Updated
Nov 19 closing price
Capitalization
858.83M
69 days until earnings call
Intraday BUY SELL Signals
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IBCP vs UVSP

Header iconIBCP vs UVSP Comparison
Open Charts IBCP vs UVSPBanner chart's image
Independent Bank
Price$30.35
Change+$0.27 (+0.90%)
Volume$124.1K
Capitalization628M
Univest Financial
Price$30.14
Change+$0.22 (+0.74%)
Volume$110.26K
Capitalization858.83M
IBCP vs UVSP Comparison Chart in %
IBCP
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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VS
IBCP vs. UVSP commentary
Nov 20, 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 IBCP is a Hold and UVSP is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (IBCP: $30.35 vs. UVSP: $30.16)
Brand notoriety: IBCP and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: IBCP: 108% vs. UVSP: 109%
Market capitalization -- IBCP: $628M vs. UVSP: $858.83M
IBCP [@Regional Banks] is valued at $628M. UVSP’s [@Regional Banks] market capitalization is $858.83M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $7.96B.

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).

IBCP’s FA Score shows that 3 FA rating(s) are green whileUVSP’s FA Score has 2 green FA rating(s).

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

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.

IBCP’s TA Score shows that 4 TA indicator(s) are bullish while UVSP’s TA Score has 6 bullish TA indicator(s).

  • IBCP’s TA Score: 4 bullish, 4 bearish.
  • UVSP’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, UVSP is a better buy in the short-term than IBCP.

Price Growth

IBCP (@Regional Banks) experienced а -2.44% price change this week, while UVSP (@Regional Banks) price change was -2.05% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.93%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

IBCP is expected to report earnings on Jan 22, 2026.

UVSP is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (-0.93% 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
UVSP($859M) has a higher market cap than IBCP($628M). UVSP has higher P/E ratio than IBCP: UVSP (10.12) vs IBCP (9.34). UVSP YTD gains are higher at: 5.254 vs. IBCP (-9.953). IBCP (74.4M) and UVSP (70.8M) have equal amount of cash in the bank . IBCP has less debt than UVSP: IBCP (181M) vs UVSP (359M). UVSP has higher revenues than IBCP: UVSP (320M) vs IBCP (216M).
IBCPUVSPIBCP / UVSP
Capitalization628M859M73%
EBITDAN/AN/A-
Gain YTD-9.9535.254-189%
P/E Ratio9.3410.1292%
Revenue216M320M68%
Total Cash74.4M70.8M105%
Total Debt181M359M50%
FUNDAMENTALS RATINGS
IBCP vs UVSP: Fundamental Ratings
IBCP
UVSP
OUTLOOK RATING
1..100
1118
VALUATION
overvalued / fair valued / undervalued
1..100
28
Undervalued
30
Undervalued
PROFIT vs RISK RATING
1..100
2635
SMR RATING
1..100
2726
PRICE GROWTH RATING
1..100
7253
P/E GROWTH RATING
1..100
7565
SEASONALITY SCORE
1..100
50n/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.

IBCP's Valuation (28) in the Regional Banks industry is in the same range as UVSP (30). This means that IBCP’s stock grew similarly to UVSP’s over the last 12 months.

IBCP's Profit vs Risk Rating (26) in the Regional Banks industry is in the same range as UVSP (35). This means that IBCP’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as IBCP (27). This means that UVSP’s stock grew similarly to IBCP’s over the last 12 months.

UVSP's Price Growth Rating (53) in the Regional Banks industry is in the same range as IBCP (72). This means that UVSP’s stock grew similarly to IBCP’s over the last 12 months.

UVSP's P/E Growth Rating (65) in the Regional Banks industry is in the same range as IBCP (75). This means that UVSP’s stock grew similarly to IBCP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
IBCPUVSP
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
68%
Bearish Trend 1 day ago
69%
Momentum
ODDS (%)
Bearish Trend 1 day ago
66%
Bullish Trend 1 day ago
66%
MACD
ODDS (%)
Bearish Trend 1 day ago
69%
Bullish Trend 1 day ago
57%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
64%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
63%
Bullish Trend 1 day ago
52%
Advances
ODDS (%)
Bullish Trend 11 days ago
60%
Bullish Trend 9 days ago
55%
Declines
ODDS (%)
Bearish Trend 23 days ago
65%
Bearish Trend 3 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
61%
Bearish Trend 1 day ago
71%
Aroon
ODDS (%)
Bullish Trend 1 day ago
63%
Bullish Trend 1 day ago
45%
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IBCP
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with BY. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
+0.90%
BY - IBCP
85%
Closely correlated
+1.13%
CTBI - IBCP
85%
Closely correlated
+1.23%
MBWM - IBCP
85%
Closely correlated
+0.73%
BUSE - IBCP
85%
Closely correlated
+0.67%
UVSP - IBCP
85%
Closely correlated
+0.80%
More