Quick Summary — UBSI scores higher on quality with 7.8/10 vs UBCP's 7.7/10. UBCP trades at $16.05 while UBSI trades at $43.50. Both analyzed daily using SEC EDGAR data across 13 institutional models.
UBSI scores higher with a 7.8/10 quality rating vs UBCP's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $16.05, UBCP trades +44.5% above its Bayesian DCF fair value of $8.90, while UBSI at $43.50 trades +67.1% above its estimate of $14.29. UBSI shows a wider gap between price and intrinsic value.
UBCP earns a Quality of Company score of 7.7/10 compared to UBSI's 7.8/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
UBCP carries a SAFE value trap risk (21/100) while UBSI shows SAFE risk (12/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both UBCP and UBSI operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).
11 hidden models compare UBCP vs UBSI differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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