Is TSBK or UCB more undervalued in 2026?

CirclFi compares Timberland Bancorp, Inc. (TSBK) and United Community Banks, Inc. (UCB) using 13 institutional-grade valuation models. TSBK has a Quality of Company score of 9.0/10 while UCB scores 9.0/10.

Which is a better buy — TSBK or UCB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TSBK and UCB valuations compare?

TSBK at $40.96 and UCB at $33.10 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TSBK vs UCB Valuation Comparison 2026 — Intrinsic Value Analysis

TSBK

Banks - Regional

Timberland Bancorp, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$40.96

Last close

Models

11/13

Active

UCB

Banks - Regional

United Community Banks, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$33.10

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	TSBK Fair Value	TSBK Upside	UCB Fair Value	UCB Upside
Bayesian DCF	Intrinsic	$55.69	+36.0%	$22.98	-30.6%
Earnings Power Value	Intrinsic	$79.98	+95.3%	$27.94	-15.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TSBK vs UCB — Which Stock Is More Undervalued?

UCB scores higher with a 9.0/10 quality rating vs TSBK's 9.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Timberland Bancorp, Inc. (TSBK) and United Community Banks, Inc. (UCB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TSBK currently trades at $40.96 with a QOC of 9.0/10, while UCB trades at $33.10 with a QOC of 9.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).