TOWN
Price
$33.09
Change
+$0.76 (+2.35%)
Updated
Nov 21 closing price
Capitalization
2.61B
60 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$30.53
Change
+$0.78 (+2.62%)
Updated
Nov 21 closing price
Capitalization
3.71B
58 days until earnings call
Intraday BUY SELL Signals
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TOWN vs UCB

Header iconTOWN vs UCB Comparison
Open Charts TOWN vs UCBBanner chart's image
TowneBank
Price$33.09
Change+$0.76 (+2.35%)
Volume$452.87K
Capitalization2.61B
United Community Banks
Price$30.53
Change+$0.78 (+2.62%)
Volume$731.36K
Capitalization3.71B
TOWN vs UCB Comparison Chart in %
TOWN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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TOWN vs. UCB commentary
Nov 23, 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 Hold and UCB is a Hold.

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COMPARISON
Comparison
Nov 23, 2025
Stock price -- (TOWN: $33.09 vs. UCB: $30.53)
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: 146% vs. UCB: 108%
Market capitalization -- TOWN: $2.61B vs. UCB: $3.71B
TOWN [@Regional Banks] is valued at $2.61B. UCB’s [@Regional Banks] market capitalization is $3.71B. The market cap for tickers in the [@Regional Banks] industry ranges from $173.07B to $0. The average market capitalization across the [@Regional Banks] industry is $8B.

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, 3 bearish.
  • UCB’s TA Score: 5 bullish, 2 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 -0.39% price change this week, while UCB (@Regional Banks) price change was +0.96% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.23%. For the same industry, the average monthly price growth was +2.37%, and the average quarterly price growth was +12.53%.

Reported Earning Dates

TOWN is expected to report earnings on Jan 22, 2026.

UCB is expected to report earnings on Jan 20, 2026.

Industries' Descriptions

@Regional Banks (+0.23% 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($3.71B) has a higher market cap than TOWN($2.61B). TOWN has higher P/E ratio than UCB: TOWN (14.83) vs UCB (12.12). TOWN YTD gains are higher at: -0.610 vs. UCB (-3.150). UCB has more cash in the bank: 202M vs. TOWN (149M). UCB has less debt than TOWN: UCB (155M) vs TOWN (273M). UCB has higher revenues than TOWN: UCB (953M) vs TOWN (750M).
TOWNUCBTOWN / UCB
Capitalization2.61B3.71B70%
EBITDAN/AN/A-
Gain YTD-0.610-3.15019%
P/E Ratio14.8312.12122%
Revenue750M953M79%
Total Cash149M202M74%
Total Debt273M155M176%
FUNDAMENTALS RATINGS
TOWN vs UCB: Fundamental Ratings
TOWN
UCB
OUTLOOK RATING
1..100
4227
VALUATION
overvalued / fair valued / undervalued
1..100
55
Fair valued
77
Overvalued
PROFIT vs RISK RATING
1..100
2860
SMR RATING
1..100
1713
PRICE GROWTH RATING
1..100
7256
P/E GROWTH RATING
1..100
6190
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.

TOWN's Valuation (55) in the Regional Banks industry is in the same range as UCB (77). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TOWN's Profit vs Risk Rating (28) in the Regional Banks industry is in the same range as UCB (60). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as TOWN (17). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

UCB's Price Growth Rating (56) in the Regional Banks industry is in the same range as TOWN (72). This means that UCB’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's P/E Growth Rating (61) in the Regional Banks industry is in the same range as UCB (90). This means that TOWN’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
TOWNUCB
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 2 days ago
59%
Momentum
ODDS (%)
Bullish Trend 2 days ago
58%
Bullish Trend 2 days ago
60%
MACD
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bullish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
58%
Bullish Trend 2 days ago
53%
Advances
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 4 days ago
56%
Declines
ODDS (%)
Bearish Trend 25 days ago
55%
Bearish Trend 10 days ago
71%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
75%
Bullish Trend 6 days ago
63%
Aroon
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
63%
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TOWN
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with FNB. 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 FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+2.62%
FNB - UCB
92%
Closely correlated
+2.95%
FULT - UCB
91%
Closely correlated
+4.00%
UBSI - UCB
91%
Closely correlated
+4.11%
WSFS - UCB
91%
Closely correlated
+2.96%
FFBC - UCB
91%
Closely correlated
+3.21%
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