UBFO
Price
$9.52
Change
+$0.03 (+0.32%)
Updated
Aug 28, 11:24 AM (EDT)
Capitalization
165.85M
WTFC
Price
$137.46
Change
-$0.25 (-0.18%)
Updated
Aug 28, 11:51 AM (EDT)
Capitalization
9.22B
54 days until earnings call
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UBFO vs WTFC

Header iconUBFO vs WTFC Comparison
Open Charts UBFO vs WTFCBanner chart's image
United Security Bancshares
Price$9.52
Change+$0.03 (+0.32%)
Volume$100
Capitalization165.85M
Wintrust Financial
Price$137.46
Change-$0.25 (-0.18%)
Volume$100
Capitalization9.22B
UBFO vs WTFC Comparison Chart in %
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UBFO
Daily Signalchanged days ago
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WTFC
Daily Signalchanged days ago
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UBFO vs. WTFC commentary
Aug 28, 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 UBFO is a Buy and WTFC is a StrongBuy.

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COMPARISON
Comparison
Aug 28, 2025
Stock price -- (UBFO: $9.49 vs. WTFC: $137.71)
Brand notoriety: UBFO and WTFC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: UBFO: 32% vs. WTFC: 136%
Market capitalization -- UBFO: $165.85M vs. WTFC: $9.22B
UBFO [@Regional Banks] is valued at $165.85M. WTFC’s [@Regional Banks] market capitalization is $9.22B. The market cap for tickers in the [@Regional Banks] industry ranges from $170.51B to $0. The average market capitalization across the [@Regional Banks] industry is $7.87B.

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).

UBFO’s FA Score shows that 2 FA rating(s) are green whileWTFC’s FA Score has 3 green FA rating(s).

  • UBFO’s FA Score: 2 green, 3 red.
  • WTFC’s FA Score: 3 green, 2 red.
According to our system of comparison, WTFC is a better buy in the long-term than UBFO.

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.

UBFO’s TA Score shows that 4 TA indicator(s) are bullish while WTFC’s TA Score has 6 bullish TA indicator(s).

  • UBFO’s TA Score: 4 bullish, 5 bearish.
  • WTFC’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, WTFC is a better buy in the short-term than UBFO.

Price Growth

UBFO (@Regional Banks) experienced а +6.27% price change this week, while WTFC (@Regional Banks) price change was +6.89% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.12%. For the same industry, the average monthly price growth was +4.01%, and the average quarterly price growth was +11.64%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+2.12% 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
WTFC($9.22B) has a higher market cap than UBFO($166M). UBFO has higher P/E ratio than WTFC: UBFO (14.60) vs WTFC (13.03). WTFC YTD gains are higher at: 11.786 vs. UBFO (-2.190). WTFC has more cash in the bank: 616M vs. UBFO (44M). UBFO has less debt than WTFC: UBFO (14.6M) vs WTFC (4.33B). WTFC has higher revenues than UBFO: WTFC (2.57B) vs UBFO (52.3M).
UBFOWTFCUBFO / WTFC
Capitalization166M9.22B2%
EBITDAN/AN/A-
Gain YTD-2.19011.786-19%
P/E Ratio14.6013.03112%
Revenue52.3M2.57B2%
Total Cash44M616M7%
Total Debt14.6M4.33B0%
FUNDAMENTALS RATINGS
UBFO vs WTFC: Fundamental Ratings
UBFO
WTFC
OUTLOOK RATING
1..100
7476
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
58
Fair valued
PROFIT vs RISK RATING
1..100
2217
SMR RATING
1..100
5610
PRICE GROWTH RATING
1..100
4947
P/E GROWTH RATING
1..100
1029
SEASONALITY SCORE
1..100
4450

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.

WTFC's Valuation (58) in the Regional Banks industry is in the same range as UBFO (70). This means that WTFC’s stock grew similarly to UBFO’s over the last 12 months.

WTFC's Profit vs Risk Rating (17) in the Regional Banks industry is in the same range as UBFO (22). This means that WTFC’s stock grew similarly to UBFO’s over the last 12 months.

WTFC's SMR Rating (10) in the Regional Banks industry is somewhat better than the same rating for UBFO (56). This means that WTFC’s stock grew somewhat faster than UBFO’s over the last 12 months.

WTFC's Price Growth Rating (47) in the Regional Banks industry is in the same range as UBFO (49). This means that WTFC’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's P/E Growth Rating (10) in the Regional Banks industry is in the same range as WTFC (29). This means that UBFO’s stock grew similarly to WTFC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
UBFOWTFC
RSI
ODDS (%)
Bearish Trend 1 day ago
58%
Bearish Trend 1 day ago
75%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
49%
Bearish Trend 1 day ago
64%
Momentum
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 1 day ago
65%
MACD
ODDS (%)
Bullish Trend 1 day ago
64%
Bullish Trend 1 day ago
65%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
72%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
60%
Bullish Trend 1 day ago
68%
Advances
ODDS (%)
Bullish Trend 1 day ago
63%
Bullish Trend 1 day ago
72%
Declines
ODDS (%)
Bearish Trend 11 days ago
44%
Bearish Trend 14 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
69%
Aroon
ODDS (%)
Bearish Trend 1 day ago
47%
Bullish Trend 1 day ago
68%
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UBFO
Daily Signalchanged days ago
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WTFC
Daily Signalchanged days ago
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UBFO and

Correlation & Price change

A.I.dvisor indicates that over the last year, UBFO has been loosely correlated with UCB. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if UBFO jumps, then UCB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UBFO
1D Price
Change %
UBFO100%
+2.15%
UCB - UBFO
64%
Loosely correlated
+1.69%
SHBI - UBFO
63%
Loosely correlated
+1.12%
BRKL - UBFO
63%
Loosely correlated
-0.54%
ISTR - UBFO
63%
Loosely correlated
+0.69%
WTFC - UBFO
62%
Loosely correlated
+0.98%
More

WTFC and

Correlation & Price change

A.I.dvisor indicates that over the last year, WTFC has been closely correlated with FNB. These tickers have moved in lockstep 94% of the time. This A.I.-generated data suggests there is a high statistical probability that if WTFC jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To WTFC
1D Price
Change %
WTFC100%
+0.98%
FNB - WTFC
94%
Closely correlated
+1.57%
ASB - WTFC
92%
Closely correlated
+0.86%
WBS - WTFC
92%
Closely correlated
+1.02%
ZION - WTFC
91%
Closely correlated
+2.08%
HWC - WTFC
91%
Closely correlated
-0.03%
More