IFS
Price
$38.38
Change
-$0.01 (-0.03%)
Updated
Aug 20, 04:59 PM (EDT)
Capitalization
4.3B
78 days until earnings call
UBFO
Price
$8.91
Change
+$0.03 (+0.34%)
Updated
Aug 20, 04:56 PM (EDT)
Capitalization
155.19M
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IFS vs UBFO

Header iconIFS vs UBFO Comparison
Open Charts IFS vs UBFOBanner chart's image
Intercorp Financial Services
Price$38.38
Change-$0.01 (-0.03%)
Volume$726
Capitalization4.3B
United Security Bancshares
Price$8.91
Change+$0.03 (+0.34%)
Volume$100
Capitalization155.19M
IFS vs UBFO Comparison Chart in %
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IFS
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
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IFS vs. UBFO commentary
Aug 21, 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 IFS is a Buy and UBFO is a Buy.

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COMPARISON
Comparison
Aug 21, 2025
Stock price -- (IFS: $38.39 vs. UBFO: $8.88)
Brand notoriety: IFS and UBFO are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: IFS: 75% vs. UBFO: 30%
Market capitalization -- IFS: $4.3B vs. UBFO: $155.19M
IFS [@Regional Banks] is valued at $4.3B. UBFO’s [@Regional Banks] market capitalization is $155.19M. The market cap for tickers in the [@Regional Banks] industry ranges from $174.76B to $0. The average market capitalization across the [@Regional Banks] industry is $7.91B.

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).

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

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

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.

IFS’s TA Score shows that 5 TA indicator(s) are bullish while UBFO’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

IFS (@Regional Banks) experienced а -3.42% price change this week, while UBFO (@Regional Banks) price change was -1.77% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.37%. For the same industry, the average monthly price growth was +1.96%, and the average quarterly price growth was +10.06%.

Reported Earning Dates

IFS is expected to report earnings on Nov 06, 2025.

Industries' Descriptions

@Regional Banks (-0.37% 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
IFS($4.3B) has a higher market cap than UBFO($155M). UBFO has higher P/E ratio than IFS: UBFO (13.66) vs IFS (8.46). IFS YTD gains are higher at: 35.038 vs. UBFO (-8.477). UBFO has less debt than IFS: UBFO (14.6M) vs IFS (12B). IFS has higher revenues than UBFO: IFS (6.94B) vs UBFO (52.3M).
IFSUBFOIFS / UBFO
Capitalization4.3B155M2,772%
EBITDAN/AN/A-
Gain YTD35.038-8.477-413%
P/E Ratio8.4613.6662%
Revenue6.94B52.3M13,272%
Total CashN/A44M-
Total Debt12B14.6M82,192%
FUNDAMENTALS RATINGS
IFS vs UBFO: Fundamental Ratings
IFS
UBFO
OUTLOOK RATING
1..100
1180
VALUATION
overvalued / fair valued / undervalued
1..100
29
Undervalued
66
Overvalued
PROFIT vs RISK RATING
1..100
3427
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
4354
P/E GROWTH RATING
1..100
7811
SEASONALITY SCORE
1..100
5050

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.

IFS's Valuation (29) in the null industry is somewhat better than the same rating for UBFO (66) in the Regional Banks industry. This means that IFS’s stock grew somewhat faster than UBFO’s over the last 12 months.

UBFO's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as IFS (34) in the null industry. This means that UBFO’s stock grew similarly to IFS’s over the last 12 months.

UBFO's SMR Rating (100) in the Regional Banks industry is in the same range as IFS (100) in the null industry. This means that UBFO’s stock grew similarly to IFS’s over the last 12 months.

IFS's Price Growth Rating (43) in the null industry is in the same range as UBFO (54) in the Regional Banks industry. This means that IFS’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's P/E Growth Rating (11) in the Regional Banks industry is significantly better than the same rating for IFS (78) in the null industry. This means that UBFO’s stock grew significantly faster than IFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
IFSUBFO
RSI
ODDS (%)
Bearish Trend 2 days ago
61%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
47%
Momentum
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
55%
MACD
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
43%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 9 days ago
72%
Bullish Trend 8 days ago
62%
Declines
ODDS (%)
Bearish Trend 6 days ago
67%
Bearish Trend 2 days ago
44%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
57%
Aroon
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
41%
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IFS
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBFO has been loosely correlated with ISTR. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if UBFO jumps, then ISTR could also see price increases.

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Ticker /
NAME
Correlation
To UBFO
1D Price
Change %
UBFO100%
-0.11%
ISTR - UBFO
62%
Loosely correlated
-1.03%
EWBC - UBFO
62%
Loosely correlated
-0.91%
SHBI - UBFO
62%
Loosely correlated
-0.06%
RF - UBFO
62%
Loosely correlated
+0.12%
WAL - UBFO
62%
Loosely correlated
-1.00%
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