SPFI
Price
$40.35
Change
-$0.47 (-1.15%)
Updated
Sep 9 closing price
Capitalization
655.15M
48 days until earnings call
UBSI
Price
$37.78
Change
-$0.43 (-1.13%)
Updated
Sep 9 closing price
Capitalization
5.35B
43 days until earnings call
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SPFI vs UBSI

Header iconSPFI vs UBSI Comparison
Open Charts SPFI vs UBSIBanner chart's image
South Plains Financial
Price$40.35
Change-$0.47 (-1.15%)
Volume$53.12K
Capitalization655.15M
United Bankshares
Price$37.78
Change-$0.43 (-1.13%)
Volume$478.55K
Capitalization5.35B
SPFI vs UBSI Comparison Chart in %
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SPFI
Daily Signalchanged days ago
Gain/Loss if bought
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UBSI
Daily Signalchanged days ago
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SPFI vs. UBSI commentary
Sep 10, 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 SPFI is a Buy and UBSI is a Buy.

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COMPARISON
Comparison
Sep 10, 2025
Stock price -- (SPFI: $40.35 vs. UBSI: $37.78)
Brand notoriety: SPFI and UBSI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SPFI: 96% vs. UBSI: 69%
Market capitalization -- SPFI: $655.15M vs. UBSI: $5.35B
SPFI [@Regional Banks] is valued at $655.15M. UBSI’s [@Regional Banks] market capitalization is $5.35B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.04B to $0. The average market capitalization across the [@Regional Banks] industry is $7.86B.

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).

SPFI’s FA Score shows that 2 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).

  • SPFI’s FA Score: 2 green, 3 red.
  • UBSI’s FA Score: 1 green, 4 red.
According to our system of comparison, both SPFI and UBSI are a good buy in the long-term.

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.

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

  • SPFI’s TA Score: 4 bullish, 5 bearish.
  • UBSI’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, both SPFI and UBSI are a bad buy in the short-term.

Price Growth

SPFI (@Regional Banks) experienced а -0.62% price change this week, while UBSI (@Regional Banks) price change was -0.61% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.33%. For the same industry, the average monthly price growth was +4.44%, and the average quarterly price growth was +14.50%.

Reported Earning Dates

SPFI is expected to report earnings on Oct 28, 2025.

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

Industries' Descriptions

@Regional Banks (+0.33% 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
UBSI($5.35B) has a higher market cap than SPFI($655M). UBSI has higher P/E ratio than SPFI: UBSI (13.30) vs SPFI (12.61). SPFI YTD gains are higher at: 17.603 vs. UBSI (2.765). UBSI has more cash in the bank: 287M vs. SPFI (56M). SPFI has less debt than UBSI: SPFI (112M) vs UBSI (648M). UBSI has higher revenues than SPFI: UBSI (1.12B) vs SPFI (198M).
SPFIUBSISPFI / UBSI
Capitalization655M5.35B12%
EBITDAN/AN/A-
Gain YTD17.6032.765637%
P/E Ratio12.6113.3095%
Revenue198M1.12B18%
Total Cash56M287M20%
Total Debt112M648M17%
FUNDAMENTALS RATINGS
SPFI vs UBSI: Fundamental Ratings
SPFI
UBSI
OUTLOOK RATING
1..100
7164
VALUATION
overvalued / fair valued / undervalued
1..100
54
Fair valued
43
Fair valued
PROFIT vs RISK RATING
1..100
1745
SMR RATING
1..100
3212
PRICE GROWTH RATING
1..100
4450
P/E GROWTH RATING
1..100
4657
SEASONALITY SCORE
1..100
n/a50

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.

UBSI's Valuation (43) in the Regional Banks industry is in the same range as SPFI (54) in the Financial Conglomerates industry. This means that UBSI’s stock grew similarly to SPFI’s over the last 12 months.

SPFI's Profit vs Risk Rating (17) in the Financial Conglomerates industry is in the same range as UBSI (45) in the Regional Banks industry. This means that SPFI’s stock grew similarly to UBSI’s over the last 12 months.

UBSI's SMR Rating (12) in the Regional Banks industry is in the same range as SPFI (32) in the Financial Conglomerates industry. This means that UBSI’s stock grew similarly to SPFI’s over the last 12 months.

SPFI's Price Growth Rating (44) in the Financial Conglomerates industry is in the same range as UBSI (50) in the Regional Banks industry. This means that SPFI’s stock grew similarly to UBSI’s over the last 12 months.

SPFI's P/E Growth Rating (46) in the Financial Conglomerates industry is in the same range as UBSI (57) in the Regional Banks industry. This means that SPFI’s stock grew similarly to UBSI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SPFIUBSI
RSI
ODDS (%)
Bearish Trend 1 day ago
59%
N/A
Stochastic
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 1 day ago
57%
Momentum
ODDS (%)
Bearish Trend 1 day ago
64%
Bearish Trend 1 day ago
65%
MACD
ODDS (%)
Bearish Trend 1 day ago
54%
Bearish Trend 1 day ago
64%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
59%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
67%
Bullish Trend 1 day ago
54%
Advances
ODDS (%)
Bullish Trend 15 days ago
58%
Bullish Trend 7 days ago
54%
Declines
ODDS (%)
Bearish Trend 8 days ago
62%
Bearish Trend 1 day ago
58%
BollingerBands
ODDS (%)
N/A
Bearish Trend 1 day ago
76%
Aroon
ODDS (%)
Bullish Trend 1 day ago
58%
Bullish Trend 1 day ago
56%
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SPFI
Daily Signalchanged days ago
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UBSI
Daily Signalchanged days ago
Gain/Loss if bought
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SPFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SPFI has been closely correlated with SBSI. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if SPFI jumps, then SBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SPFI
1D Price
Change %
SPFI100%
-1.15%
SBSI - SPFI
84%
Closely correlated
-1.14%
FFIN - SPFI
83%
Closely correlated
-1.80%
UBSI - SPFI
83%
Closely correlated
-1.13%
MCBS - SPFI
83%
Closely correlated
-1.28%
INDB - SPFI
82%
Closely correlated
-1.62%
More

UBSI and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBSI
1D Price
Change %
UBSI100%
-1.13%
FFIN - UBSI
92%
Closely correlated
-1.80%
STBA - UBSI
91%
Closely correlated
-1.32%
HWC - UBSI
91%
Closely correlated
-0.37%
UCB - UBSI
91%
Closely correlated
-1.36%
FNB - UBSI
91%
Closely correlated
-0.79%
More