PFS
Price
$19.27
Change
-$0.04 (-0.21%)
Updated
Aug 14 closing price
Capitalization
2.52B
70 days until earnings call
UCB
Price
$31.56
Change
-$0.01 (-0.03%)
Updated
Aug 14 closing price
Capitalization
3.83B
67 days until earnings call
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PFS vs UCB

Header iconPFS vs UCB Comparison
Open Charts PFS vs UCBBanner chart's image
Provident Financial Services
Price$19.27
Change-$0.04 (-0.21%)
Volume$835.28K
Capitalization2.52B
United Community Banks
Price$31.56
Change-$0.01 (-0.03%)
Volume$485.03K
Capitalization3.83B
PFS vs UCB Comparison Chart in %
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PFS
Daily Signalchanged days ago
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UCB
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PFS vs. UCB commentary
Aug 15, 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 PFS is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Aug 15, 2025
Stock price -- (PFS: $19.27 vs. UCB: $31.56)
Brand notoriety: PFS and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: PFS: 126% vs. UCB: 70%
Market capitalization -- PFS: $2.52B vs. UCB: $3.83B
PFS [@Regional Banks] is valued at $2.52B. UCB’s [@Regional Banks] market capitalization is $3.83B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.41B to $0. The average market capitalization across the [@Regional Banks] industry is $7.94B.

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).

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

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

PFS’s TA Score shows that 4 TA indicator(s) are bullish while UCB’s TA Score has 7 bullish TA indicator(s).

  • PFS’s TA Score: 4 bullish, 4 bearish.
  • UCB’s TA Score: 7 bullish, 3 bearish.
According to our system of comparison, UCB is a better buy in the short-term than PFS.

Price Growth

PFS (@Regional Banks) experienced а +7.65% price change this week, while UCB (@Regional Banks) price change was +7.09% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.71%. For the same industry, the average monthly price growth was +3.29%, and the average quarterly price growth was +9.31%.

Reported Earning Dates

PFS is expected to report earnings on Oct 24, 2025.

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

Industries' Descriptions

@Regional Banks (+2.71% 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($3.83B) has a higher market cap than PFS($2.52B). UCB has higher P/E ratio than PFS: UCB (14.35) vs PFS (10.36). PFS YTD gains are higher at: 4.840 vs. UCB (-0.655). PFS has more cash in the bank: 291M vs. UCB (198M). UCB has less debt than PFS: UCB (254M) vs PFS (2.62B). UCB has higher revenues than PFS: UCB (939M) vs PFS (789M).
PFSUCBPFS / UCB
Capitalization2.52B3.83B66%
EBITDAN/AN/A-
Gain YTD4.840-0.655-739%
P/E Ratio10.3614.3572%
Revenue789M939M84%
Total Cash291M198M147%
Total Debt2.62B254M1,032%
FUNDAMENTALS RATINGS
PFS vs UCB: Fundamental Ratings
PFS
UCB
OUTLOOK RATING
1..100
7057
VALUATION
overvalued / fair valued / undervalued
1..100
21
Undervalued
81
Overvalued
PROFIT vs RISK RATING
1..100
4750
SMR RATING
1..100
1413
PRICE GROWTH RATING
1..100
5054
P/E GROWTH RATING
1..100
9278
SEASONALITY SCORE
1..100
2n/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.

PFS's Valuation (21) in the Savings Banks industry is somewhat better than the same rating for UCB (81) in the Regional Banks industry. This means that PFS’s stock grew somewhat faster than UCB’s over the last 12 months.

PFS's Profit vs Risk Rating (47) in the Savings Banks industry is in the same range as UCB (50) in the Regional Banks industry. This means that PFS’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 PFS (14) in the Savings Banks industry. This means that UCB’s stock grew similarly to PFS’s over the last 12 months.

PFS's Price Growth Rating (50) in the Savings Banks industry is in the same range as UCB (54) in the Regional Banks industry. This means that PFS’s stock grew similarly to UCB’s over the last 12 months.

UCB's P/E Growth Rating (78) in the Regional Banks industry is in the same range as PFS (92) in the Savings Banks industry. This means that UCB’s stock grew similarly to PFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PFSUCB
RSI
ODDS (%)
Bearish Trend 1 day ago
72%
Bearish Trend 4 days ago
74%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
51%
Bearish Trend 1 day ago
65%
Momentum
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 1 day ago
54%
MACD
ODDS (%)
Bullish Trend 1 day ago
66%
Bullish Trend 1 day ago
66%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
60%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
59%
Advances
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
60%
Declines
ODDS (%)
Bearish Trend 9 days ago
60%
Bearish Trend 9 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
60%
Bullish Trend 1 day ago
72%
Aroon
ODDS (%)
Bullish Trend 1 day ago
54%
Bullish Trend 1 day ago
51%
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PFS
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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PFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFS has been closely correlated with FFBC. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFS jumps, then FFBC could also see price increases.

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Ticker /
NAME
Correlation
To PFS
1D Price
Change %
PFS100%
-0.21%
FFBC - PFS
90%
Closely correlated
-1.03%
BHLB - PFS
90%
Closely correlated
-1.12%
TCBK - PFS
90%
Closely correlated
-0.89%
PPBI - PFS
89%
Closely correlated
N/A
UCB - PFS
89%
Closely correlated
-0.03%
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