PNC
Price
$195.35
Change
+$1.42 (+0.73%)
Updated
Jul 17, 02:55 PM (EDT)
Capitalization
64.29B
90 days until earnings call
UBFO
Price
$8.64
Change
+$0.05 (+0.58%)
Updated
Jul 17, 02:57 PM (EDT)
Capitalization
133.04M
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PNC vs UBFO

Header iconPNC vs UBFO Comparison
Open Charts PNC vs UBFOBanner chart's image
PNC Financial Services Group
Price$195.35
Change+$1.42 (+0.73%)
Volume$2.55K
Capitalization64.29B
United Security Bancshares
Price$8.64
Change+$0.05 (+0.58%)
Volume$100
Capitalization133.04M
PNC vs UBFO Comparison Chart in %
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PNC
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
Daily Signalchanged days ago
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PNC vs. UBFO commentary
Jul 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 PNC is a Buy and UBFO is a Hold.

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COMPARISON
Comparison
Jul 17, 2025
Stock price -- (PNC: $193.93 vs. UBFO: $8.60)
Brand notoriety: PNC: Notable vs. UBFO: Not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: PNC: 162% vs. UBFO: 33%
Market capitalization -- PNC: $64.29B vs. UBFO: $133.04M
PNC [@Regional Banks] is valued at $64.29B. UBFO’s [@Regional Banks] market capitalization is $133.04M. 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 $6.04B.

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).

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

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

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.

PNC’s TA Score shows that 3 TA indicator(s) are bullish while UBFO’s TA Score has 3 bullish TA indicator(s).

  • PNC’s TA Score: 3 bullish, 4 bearish.
  • UBFO’s TA Score: 3 bullish, 7 bearish.
According to our system of comparison, both PNC and UBFO are a bad buy in the short-term.

Price Growth

PNC (@Regional Banks) experienced а -0.27% price change this week, while UBFO (@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 -0.41%. For the same industry, the average monthly price growth was +5.50%, and the average quarterly price growth was +9.72%.

Reported Earning Dates

PNC is expected to report earnings on Oct 15, 2025.

UBFO is expected to report earnings on May 08, 2025.

Industries' Descriptions

@Regional Banks (-0.41% 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
PNC($64.3B) has a higher market cap than UBFO($133M). PNC has higher P/E ratio than UBFO: PNC (12.51) vs UBFO (6.49). PNC YTD gains are higher at: 3.334 vs. UBFO (-11.363). PNC has more cash in the bank: 6.19B vs. UBFO (33.2M). UBFO has less debt than PNC: UBFO (74.6M) vs PNC (72.7B). PNC has higher revenues than UBFO: PNC (21.5B) vs UBFO (54.8M).
PNCUBFOPNC / UBFO
Capitalization64.3B133M48,346%
EBITDAN/AN/A-
Gain YTD3.334-11.363-29%
P/E Ratio12.516.49193%
Revenue21.5B54.8M39,234%
Total Cash6.19B33.2M18,648%
Total Debt72.7B74.6M97,453%
FUNDAMENTALS RATINGS
PNC vs UBFO: Fundamental Ratings
PNC
UBFO
OUTLOOK RATING
1..100
2529
VALUATION
overvalued / fair valued / undervalued
1..100
80
Overvalued
59
Fair valued
PROFIT vs RISK RATING
1..100
3824
SMR RATING
1..100
446
PRICE GROWTH RATING
1..100
4452
P/E GROWTH RATING
1..100
6415
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.

UBFO's Valuation (59) in the Regional Banks industry is in the same range as PNC (80) in the Major Banks industry. This means that UBFO’s stock grew similarly to PNC’s over the last 12 months.

UBFO's Profit vs Risk Rating (24) in the Regional Banks industry is in the same range as PNC (38) in the Major Banks industry. This means that UBFO’s stock grew similarly to PNC’s over the last 12 months.

PNC's SMR Rating (4) in the Major Banks industry is somewhat better than the same rating for UBFO (46) in the Regional Banks industry. This means that PNC’s stock grew somewhat faster than UBFO’s over the last 12 months.

PNC's Price Growth Rating (44) in the Major Banks industry is in the same range as UBFO (52) in the Regional Banks industry. This means that PNC’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's P/E Growth Rating (15) in the Regional Banks industry is somewhat better than the same rating for PNC (64) in the Major Banks industry. This means that UBFO’s stock grew somewhat faster than PNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PNCUBFO
RSI
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
48%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
69%
Momentum
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
40%
MACD
ODDS (%)
Bearish Trend 2 days ago
49%
Bearish Trend 2 days ago
35%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
45%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
58%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 15 days ago
58%
Bullish Trend 15 days ago
61%
Declines
ODDS (%)
N/A
Bearish Trend about 1 month ago
45%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
49%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 2 days ago
46%
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PNC
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
Daily Signalchanged days ago
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PNC and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PNC
1D Price
Change %
PNC100%
+0.93%
HBAN - PNC
92%
Closely correlated
+0.48%
FITB - PNC
91%
Closely correlated
+0.65%
CFG - PNC
90%
Closely correlated
+0.60%
TFC - PNC
90%
Closely correlated
-0.02%
FNB - PNC
89%
Closely correlated
+0.98%
More

UBFO and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBFO has been loosely correlated with EWBC. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if UBFO jumps, then EWBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBFO
1D Price
Change %
UBFO100%
+0.35%
EWBC - UBFO
63%
Loosely correlated
+0.84%
WNEB - UBFO
63%
Loosely correlated
+0.31%
AUB - UBFO
63%
Loosely correlated
+1.47%
WAL - UBFO
62%
Loosely correlated
+1.69%
PNC - UBFO
62%
Loosely correlated
+0.93%
More