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SFBS vs UCB
Which Stock Would AI Choose? ServisFirst Bancshares (SFBS) vs. United Community Banks (UCB) Stock Comparison
Key Takeaways
- ServisFirst Bancshares (SFBS) and United Community Banks (UCB) are regional bank holding companies with comparable market capitalizations around $4 billion, serving the Southeast U.S. market.
- SFBS boasts higher profitability with a return on equity (ROE, a measure of how effectively a company uses shareholders' equity to generate profits) of 15.96% compared to UCB's 9.28%.
- UCB offers a higher dividend yield of 2.91% versus SFBS's 1.95%, appealing to income-focused investors.
- Both stocks have delivered similar year-to-date gains of approximately 10%, amid regional banking sector resilience.
- SFBS recently missed Q1 2026 revenue estimates, while UCB reports earnings today, influencing short-term sentiment.
- Analyst estimates project stronger EPS growth for SFBS at around 25% for 2026 versus UCB's 14% (EPS: earnings per share).
Introduction
This stock comparison examines SFBS and UCB, two regional bank holding companies operating in the competitive Southeast U.S. market. With similar market caps and exposure to commercial real estate, deposits, and lending, they offer insights into sector dynamics amid interest rate fluctuations and economic shifts. Traders seeking momentum plays and long-term investors eyeing dividends or growth will find value in analyzing their relative performance, valuations, and recent catalysts in today's banking landscape.
SFBS Overview and Recent Performance
ServisFirst Bancshares, Inc. (SFBS) is the holding company for ServisFirst Bank, focusing on commercial banking services like real estate loans, consumer loans, and deposits across Alabama, Florida, Georgia, and Tennessee. In recent market activity, SFBS shares have risen about 10% year-to-date, trading near $78 with a trailing P/E (price-to-earnings ratio) of 15.4 and market cap of $4.27 billion. Key influences include a Q1 2026 earnings report that missed revenue expectations but highlighted strong net interest income and efficiency, alongside repeated recognition as a top dividend stock with a 1.95% yield. Sentiment reflects resilience in profitability (52.6% profit margin) despite broader regional bank pressures, supported by robust ROE of 15.96%.
UCB Overview and Recent Performance
United Community Banks, Inc. (UCB) serves as the holding company for United Community Bank, delivering deposit products, commercial real estate loans, mortgages, and wealth management primarily in the Southeast U.S. from its Greenville, South Carolina headquarters. Recent weeks have seen UCB shares up roughly 11% year-to-date and over 40% in the past year, around $34 with a lower trailing P/E of 13.1 and $4.1 billion market cap. Performance drivers include steady revenue growth to $1.01 billion TTM and a higher 2.91% dividend yield, bolstered by diversified lending and lower valuation multiples. Investor sentiment benefits from solid 1-year momentum amid sector recovery, though ROE stands at 9.28% with earnings due today.
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Head-to-Head Comparison
Both SFBS and UCB operate similar bank holding company models, emphasizing commercial real estate loans (a key growth driver but interest rate-sensitive) and deposits in the Southeast. SFBS edges in margins (72% operating) and ROE, signaling efficient operations, while UCB generates larger TTM revenue ($1B vs. $526M) from broader services like wealth management. Recent momentum favors UCB's 43% 1-year gain over SFBS's steadier path, but SFBS projects faster EPS growth. Risks include non-performing loans (NCO, net charge-offs) in a high-rate environment and regional economic exposure; UCB trades at a discount (1.13 price/book vs. 2.3). Market sentiment tilts toward value in UCB and quality in SFBS.
Tickeron AI Verdict
Tickeron's AI models would likely favor SFBS in the current environment due to superior ROE, profit margins, and projected EPS growth, indicating stronger trend consistency and positioning despite the recent revenue miss. UCB offers compelling value and yield, but SFBS's catalysts suggest higher probability of outperformance over coming quarters.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
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 SFBS is a StrongBuy and UCB is a StrongBuy.
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).
SFBS’s FA Score shows that 1 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).
- SFBS’s FA Score: 1 green, 4 red.
- UCB’s FA Score: 1 green, 4 red.
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.
SFBS’s TA Score shows that 6 TA indicator(s) are bullish while UCB’s TA Score has 7 bullish TA indicator(s).
- SFBS’s TA Score: 6 bullish, 4 bearish.
- UCB’s TA Score: 7 bullish, 1 bearish.
Price Growth
SFBS (@Regional Banks) experienced а +1.56% price change this week, while UCB (@Regional Banks) price change was +2.19% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
SFBS is expected to report earnings on Jul 20, 2026.
UCB is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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.
| SFBS | UCB | SFBS / UCB | |
| Capitalization | 4.53B | 4.08B | 111% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.320 | 10.743 | 143% |
| P/E Ratio | 13.84 | 12.23 | 113% |
| Revenue | 583M | 1.07B | 55% |
| Total Cash | 95.1M | 177M | 54% |
| Total Debt | 34.8M | 120M | 29% |
SFBS | UCB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 85 Overvalued | 46 Fair valued | |
PROFIT vs RISK RATING 1..100 | 75 | 87 | |
SMR RATING 1..100 | 31 | 28 | |
PRICE GROWTH RATING 1..100 | 48 | 49 | |
P/E GROWTH RATING 1..100 | 73 | 61 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
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.
UCB's Valuation (46) in the Regional Banks industry is somewhat better than the same rating for SFBS (85). This means that UCB’s stock grew somewhat faster than SFBS’s over the last 12 months.
SFBS's Profit vs Risk Rating (75) in the Regional Banks industry is in the same range as UCB (87). This means that SFBS’s stock grew similarly to UCB’s over the last 12 months.
UCB's SMR Rating (28) in the Regional Banks industry is in the same range as SFBS (31). This means that UCB’s stock grew similarly to SFBS’s over the last 12 months.
SFBS's Price Growth Rating (48) in the Regional Banks industry is in the same range as UCB (49). This means that SFBS’s stock grew similarly to UCB’s over the last 12 months.
UCB's P/E Growth Rating (61) in the Regional Banks industry is in the same range as SFBS (73). This means that UCB’s stock grew similarly to SFBS’s over the last 12 months.
| SFBS | UCB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | N/A |
| Stochastic ODDS (%) | 2 days ago 66% | 1 day ago 64% |
| Momentum ODDS (%) | 2 days ago 70% | 1 day ago 54% |
| MACD ODDS (%) | 2 days ago 73% | 1 day ago 57% |
| TrendWeek ODDS (%) | 2 days ago 63% | 1 day ago 58% |
| TrendMonth ODDS (%) | 2 days ago 59% | 1 day ago 54% |
| Advances ODDS (%) | 2 days ago 61% | 1 day ago 57% |
| Declines ODDS (%) | 27 days ago 59% | 8 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 62% | N/A |
| Aroon ODDS (%) | 2 days ago 47% | 1 day ago 46% |
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|---|---|---|---|
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| MFMO | 25.27 | 0.33 | +1.31% |
| Motley Fool Momentum Factor ETF | |||
| BTOP | 28.72 | N/A | N/A |
| Bitwise Bitcoin and Ether Equal Weight Strategy ETF | |||
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| NYLI MacKay High Income ETF | |||
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| State Street SPDR Portfolio L/T Trs ETF | |||
| RPAR | 22.67 | -0.17 | -0.72% |
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SFBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, SFBS has been closely correlated with SFNC. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFBS jumps, then SFNC could also see price increases.
| Ticker / NAME | Correlation To SFBS | 1D Price Change % | ||
|---|---|---|---|---|
| SFBS | 100% | +1.81% | ||
| SFNC - SFBS | 83% Closely correlated | +1.28% | ||
| UBSI - SFBS | 82% Closely correlated | +1.17% | ||
| TRMK - SFBS | 81% Closely correlated | +0.90% | ||
| UCB - SFBS | 80% Closely correlated | +1.61% | ||
| CATY - SFBS | 80% Closely correlated | +1.42% | ||
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