TOWN
Price
$34.20
Change
+$0.62 (+1.85%)
Updated
Jun 6 closing price
Capitalization
2.06B
47 days until earnings call
UCB
Price
$29.28
Change
+$0.60 (+2.09%)
Updated
Jun 6 closing price
Capitalization
3.13B
45 days until earnings call
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TOWN vs UCB

Header iconTOWN vs UCB Comparison
Open Charts TOWN vs UCBBanner chart's image
TowneBank
Price$34.20
Change+$0.62 (+1.85%)
Volume$180.71K
Capitalization2.06B
United Community Banks
Price$29.28
Change+$0.60 (+2.09%)
Volume$658.19K
Capitalization3.13B
TOWN vs UCB Comparison Chart
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TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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TOWN vs. UCB commentary
Jun 07, 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 TOWN is a StrongBuy and UCB is a Hold.

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COMPARISON
Comparison
Jun 07, 2025
Stock price -- (TOWN: $34.20 vs. UCB: $29.28)
Brand notoriety: TOWN and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: TOWN: 65% vs. UCB: 77%
Market capitalization -- TOWN: $2.06B vs. UCB: $3.13B
TOWN [@Regional Banks] is valued at $2.06B. UCB’s [@Regional Banks] market capitalization is $3.13B. 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 $6B.

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).

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

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

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

  • TOWN’s TA Score: 5 bullish, 6 bearish.
  • UCB’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, UCB is a better buy in the short-term than TOWN.

Price Growth

TOWN (@Regional Banks) experienced а -1.04% price change this week, while UCB (@Regional Banks) price change was +1.88% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.57%. For the same industry, the average monthly price growth was +3.03%, and the average quarterly price growth was +4.24%.

Reported Earning Dates

TOWN is expected to report earnings on Jul 24, 2025.

UCB is expected to report earnings on Jul 22, 2025.

Industries' Descriptions

@Regional Banks (+0.57% 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($3.13B) has a higher market cap than TOWN($2.06B). UCB has higher P/E ratio than TOWN: UCB (16.42) vs TOWN (13.37). TOWN YTD gains are higher at: 1.145 vs. UCB (-8.592). UCB has more cash in the bank: 201M vs. TOWN (83.9M). UCB has less debt than TOWN: UCB (325M) vs TOWN (460M). UCB has higher revenues than TOWN: UCB (872M) vs TOWN (695M).
TOWNUCBTOWN / UCB
Capitalization2.06B3.13B66%
EBITDAN/AN/A-
Gain YTD1.145-8.592-13%
P/E Ratio13.3716.4281%
Revenue695M872M80%
Total Cash83.9M201M42%
Total Debt460M325M142%
FUNDAMENTALS RATINGS
TOWN vs UCB: Fundamental Ratings
TOWN
UCB
OUTLOOK RATING
1..100
6266
VALUATION
overvalued / fair valued / undervalued
1..100
69
Overvalued
66
Overvalued
PROFIT vs RISK RATING
1..100
2152
SMR RATING
1..100
99
PRICE GROWTH RATING
1..100
5356
P/E GROWTH RATING
1..100
4172
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.

UCB's Valuation (66) in the Regional Banks industry is in the same range as TOWN (69). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's Profit vs Risk Rating (21) in the Regional Banks industry is in the same range as UCB (52). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's SMR Rating (9) in the Regional Banks industry is in the same range as UCB (9). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's Price Growth Rating (53) in the Regional Banks industry is in the same range as UCB (56). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's P/E Growth Rating (41) in the Regional Banks industry is in the same range as UCB (72). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TOWNUCB
RSI
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
70%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
65%
Bearish Trend 1 day ago
67%
Momentum
ODDS (%)
Bearish Trend 1 day ago
68%
Bullish Trend 1 day ago
56%
MACD
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
61%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
60%
Bullish Trend 1 day ago
61%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 1 day ago
58%
Advances
ODDS (%)
Bullish Trend 25 days ago
58%
Bullish Trend 1 day ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 5 days ago
72%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
79%
Bearish Trend 1 day ago
71%
Aroon
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
54%
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TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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TOWN and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TOWN
1D Price
Change %
TOWN100%
+1.85%
UBSI - TOWN
90%
Closely correlated
+1.99%
ABCB - TOWN
89%
Closely correlated
+2.12%
PEBO - TOWN
89%
Closely correlated
+1.97%
UCB - TOWN
89%
Closely correlated
+2.09%
FMBH - TOWN
89%
Closely correlated
+2.15%
More

UCB and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+2.09%
ABCB - UCB
92%
Closely correlated
+2.12%
CATY - UCB
92%
Closely correlated
+1.95%
HWC - UCB
92%
Closely correlated
+2.39%
AUB - UCB
91%
Closely correlated
+2.03%
FNB - UCB
91%
Closely correlated
+2.55%
More