OZK
Price
$47.56
Change
-$0.39 (-0.81%)
Updated
Aug 7, 04:48 PM (EDT)
Capitalization
5.14B
70 days until earnings call
UCB
Price
$29.43
Change
-$0.46 (-1.54%)
Updated
Aug 7, 04:58 PM (EDT)
Capitalization
3.13B
75 days until earnings call
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OZK vs UCB

Header iconOZK vs UCB Comparison
Open Charts OZK vs UCBBanner chart's image
Bank OZK
Price$47.56
Change-$0.39 (-0.81%)
Volume$500
Capitalization5.14B
United Community Banks
Price$29.43
Change-$0.46 (-1.54%)
Volume$2.72K
Capitalization3.13B
OZK vs UCB Comparison Chart in %
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OZK
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
Gain/Loss if bought
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OZK vs. UCB 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 OZK is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Aug 07, 2025
Stock price -- (OZK: $47.95 vs. UCB: $29.88)
Brand notoriety: OZK and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OZK: 88% vs. UCB: 78%
Market capitalization -- OZK: $5.14B vs. UCB: $3.13B
OZK [@Regional Banks] is valued at $5.14B. UCB’s [@Regional Banks] market capitalization is $3.13B. 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).

OZK’s FA Score shows that 2 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

  • OZK’s FA Score: 2 green, 3 red.
  • UCB’s FA Score: 1 green, 4 red.
According to our system of comparison, OZK 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.

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

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

Price Growth

OZK (@Regional Banks) experienced а -3.91% price change this week, while UCB (@Regional Banks) price change was -2.92% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.21%. For the same industry, the average monthly price growth was -0.02%, and the average quarterly price growth was +6.90%.

Reported Earning Dates

OZK is expected to report earnings on Oct 16, 2025.

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

Industries' Descriptions

@Regional Banks (+0.21% 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
OZK($5.14B) has a higher market cap than UCB($3.13B). UCB has higher P/E ratio than OZK: UCB (16.42) vs OZK (7.65). OZK YTD gains are higher at: 10.950 vs. UCB (-5.943). OZK has more cash in the bank: 828M vs. UCB (201M). UCB has less debt than OZK: UCB (325M) vs OZK (1.28B). OZK has higher revenues than UCB: OZK (1.56B) vs UCB (872M).
OZKUCBOZK / UCB
Capitalization5.14B3.13B164%
EBITDAN/AN/A-
Gain YTD10.950-5.943-184%
P/E Ratio7.6516.4247%
Revenue1.56B872M179%
Total Cash828M201M412%
Total Debt1.28B325M392%
FUNDAMENTALS RATINGS
OZK vs UCB: Fundamental Ratings
OZK
UCB
OUTLOOK RATING
1..100
6760
VALUATION
overvalued / fair valued / undervalued
1..100
37
Fair valued
62
Fair valued
PROFIT vs RISK RATING
1..100
2253
SMR RATING
1..100
1113
PRICE GROWTH RATING
1..100
5358
P/E GROWTH RATING
1..100
3483
SEASONALITY SCORE
1..100
7575

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.

OZK's Valuation (37) in the Regional Banks industry is in the same range as UCB (62). This means that OZK’s stock grew similarly to UCB’s over the last 12 months.

OZK's Profit vs Risk Rating (22) in the Regional Banks industry is in the same range as UCB (53). This means that OZK’s stock grew similarly to UCB’s over the last 12 months.

OZK's SMR Rating (11) in the Regional Banks industry is in the same range as UCB (13). This means that OZK’s stock grew similarly to UCB’s over the last 12 months.

OZK's Price Growth Rating (53) in the Regional Banks industry is in the same range as UCB (58). This means that OZK’s stock grew similarly to UCB’s over the last 12 months.

OZK's P/E Growth Rating (34) in the Regional Banks industry is somewhat better than the same rating for UCB (83). This means that OZK’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OZKUCB
RSI
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
71%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
73%
Bullish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
68%
MACD
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
66%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
69%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
65%
Advances
ODDS (%)
Bullish Trend 3 days ago
72%
Bullish Trend 22 days ago
61%
Declines
ODDS (%)
Bearish Trend 7 days ago
65%
Bearish Trend 2 days ago
70%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
69%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
52%
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OZK
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
Gain/Loss if bought
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OZK and

Correlation & Price change

A.I.dvisor indicates that over the last year, OZK has been closely correlated with FNB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if OZK jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OZK
1D Price
Change %
OZK100%
-1.52%
FNB - OZK
88%
Closely correlated
-1.33%
HOMB - OZK
86%
Closely correlated
-1.04%
WSFS - OZK
86%
Closely correlated
-0.86%
WTFC - OZK
85%
Closely correlated
-0.64%
UCB - OZK
85%
Closely correlated
-0.83%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with FNB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
-0.83%
FNB - UCB
92%
Closely correlated
-1.33%
HWC - UCB
92%
Closely correlated
-0.34%
UBSI - UCB
91%
Closely correlated
-0.45%
WSFS - UCB
91%
Closely correlated
-0.86%
BHLB - UCB
91%
Closely correlated
-2.02%
More