SBCF
Price
$30.59
Change
+$0.22 (+0.72%)
Updated
Sep 17 closing price
Capitalization
2.67B
35 days until earnings call
UCB
Price
$31.56
Change
+$0.31 (+0.99%)
Updated
Sep 17 closing price
Capitalization
3.8B
33 days until earnings call
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SBCF vs UCB

Header iconSBCF vs UCB Comparison
Open Charts SBCF vs UCBBanner chart's image
Seacoast Banking
Price$30.59
Change+$0.22 (+0.72%)
Volume$643.28K
Capitalization2.67B
United Community Banks
Price$31.56
Change+$0.31 (+0.99%)
Volume$661.87K
Capitalization3.8B
SBCF vs UCB Comparison Chart in %
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SBCF
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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SBCF vs. UCB commentary
Sep 18, 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 SBCF is a Hold and UCB is a Buy.

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COMPARISON
Comparison
Sep 18, 2025
Stock price -- (SBCF: $30.59 vs. UCB: $31.56)
Brand notoriety: SBCF and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SBCF: 104% vs. UCB: 109%
Market capitalization -- SBCF: $2.67B vs. UCB: $3.8B
SBCF [@Regional Banks] is valued at $2.67B. UCB’s [@Regional Banks] market capitalization is $3.8B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.53B 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).

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

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

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

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

Price Growth

SBCF (@Regional Banks) experienced а -0.16% price change this week, while UCB (@Regional Banks) price change was -2.26% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.27%. For the same industry, the average monthly price growth was +2.90%, and the average quarterly price growth was +13.33%.

Reported Earning Dates

SBCF is expected to report earnings on Oct 23, 2025.

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

Industries' Descriptions

@Regional Banks (+0.27% 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($3.8B) has a higher market cap than SBCF($2.67B). SBCF has higher P/E ratio than UCB: SBCF (18.77) vs UCB (14.35). SBCF YTD gains are higher at: 13.354 vs. UCB (0.118). UCB has more cash in the bank: 202M vs. SBCF (182M). UCB has less debt than SBCF: UCB (155M) vs SBCF (822M). UCB has higher revenues than SBCF: UCB (953M) vs SBCF (555M).
SBCFUCBSBCF / UCB
Capitalization2.67B3.8B70%
EBITDAN/AN/A-
Gain YTD13.3540.11811,350%
P/E Ratio18.7714.35131%
Revenue555M953M58%
Total Cash182M202M90%
Total Debt822M155M530%
FUNDAMENTALS RATINGS
SBCF vs UCB: Fundamental Ratings
SBCF
UCB
OUTLOOK RATING
1..100
7862
VALUATION
overvalued / fair valued / undervalued
1..100
73
Overvalued
81
Overvalued
PROFIT vs RISK RATING
1..100
5751
SMR RATING
1..100
1813
PRICE GROWTH RATING
1..100
4550
P/E GROWTH RATING
1..100
5479
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.

SBCF's Valuation (73) in the Regional Banks industry is in the same range as UCB (81). This means that SBCF’s stock grew similarly to UCB’s over the last 12 months.

UCB's Profit vs Risk Rating (51) in the Regional Banks industry is in the same range as SBCF (57). This means that UCB’s stock grew similarly to SBCF’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as SBCF (18). This means that UCB’s stock grew similarly to SBCF’s over the last 12 months.

SBCF's Price Growth Rating (45) in the Regional Banks industry is in the same range as UCB (50). This means that SBCF’s stock grew similarly to UCB’s over the last 12 months.

SBCF's P/E Growth Rating (54) in the Regional Banks industry is in the same range as UCB (79). This means that SBCF’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SBCFUCB
RSI
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
73%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
65%
Momentum
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
66%
MACD
ODDS (%)
Bearish Trend 1 day ago
57%
Bearish Trend 1 day ago
59%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
68%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
58%
Advances
ODDS (%)
Bullish Trend 8 days ago
63%
Bullish Trend 23 days ago
60%
Declines
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
69%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
69%
Bullish Trend 1 day ago
72%
Aroon
ODDS (%)
Bullish Trend 1 day ago
58%
Bullish Trend 1 day ago
54%
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SBCF
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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