TOWN vs. UGI
TOWN (TowneBank) and UGI (UGI Corporation) are both stocks. TOWN operates in Banks - Regional (Financial Services), while UGI operates in Utilities - Regulated Gas (Utilities). Over the past 10 years, TOWN returned 8.53%/yr vs 1.22%/yr for UGI. Their 0.27 correlation means their historical movements had little consistent relationship.
Performance
TOWN vs. UGI - Performance Comparison
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Returns By Period
In the year-to-date period, TOWN achieves a 17.73% return, which is significantly higher than UGI's -1.46% return. Over the past 10 years, TOWN has outperformed UGI with an annualized return of 8.53%, while UGI has yielded a comparatively lower 1.22% annualized return.
TOWN
- 1D
- -0.79%
- 1M
- 4.01%
- 6M
- 12.25%
- YTD
- 17.73%
- 1Y
- 15.70%
- 3Y*
- 19.43%
- 5Y*
- 8.81%
- 10Y*
- 8.53%
- ALL TIME*
- 8.64%
UGI
- 1D
- -0.17%
- 1M
- 2.76%
- 6M
- -8.04%
- YTD
- -1.46%
- 1Y
- 4.45%
- 3Y*
- 16.84%
- 5Y*
- -0.17%
- 10Y*
- 1.22%
- ALL TIME*
- 11.68%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
TOWN TowneBank | $25.51M | $25.38M | $22.79M |
| $45.38M | $44.19M | $61.78M |
TOWN vs. UGI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TOWN TowneBank | 17.73% | 1.03% | 18.35% | 0.26% | 0.67% | 37.97% | -12.27% | 19.23% | -20.40% | -5.88% |
UGI UGI Corporation | -1.46% | 38.35% | 21.93% | -29.83% | -16.13% | 35.43% | -19.36% | -13.24% | 15.95% | 3.99% |
Correlation
The correlation between TOWN and UGI is 0.25, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.25 |
Correlation (3Y) Balances recent behavior with more history. | 0.35 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.43 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.39 |
Correlation (All Time) Calculated using the full available price history since May 7, 1999 | 0.27 |
The correlation between TOWN and UGI shifts across timeframes, from 0.25 (1 year) to 0.43 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
TOWN:
$3.49B
UGI:
$7.74B
TOWN:
$3.70
UGI:
$2.89
TOWN:
10.24
UGI:
12.50
TOWN:
2.47
UGI:
1.09
TOWN:
1.15
UGI:
1.48
TOWN:
$1.30B
UGI:
$7.36B
TOWN:
$987.94M
UGI:
$2.23B
TOWN:
$439.14M
UGI:
$1.19B
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Return for Risk
TOWN vs. UGI — Risk / Return Rank
TOWN
UGI
TOWN vs. UGI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TowneBank (TOWN) and UGI Corporation (UGI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TOWN | UGI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.43 | ||
| Sortino ratioReturn per unit of downside risk | +0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.05 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 0.98 | 0.21 | +0.77 |
| Martin ratioReturn relative to average drawdown | 1.91 | 0.46 | +1.45 |
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Drawdowns
TOWN vs. UGI - Drawdown Comparison
The maximum TOWN drawdown since its inception was -64.73%, which is greater than UGI's maximum drawdown of -59.54%. Use the drawdown chart below to compare losses from any high point for TOWN and UGI.
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Drawdown Indicators
| TOWN | UGI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -64.73% | -59.54% | -5.19% |
Max Drawdown (1Y)Largest decline over 1 year | -14.28% | -19.64% | +5.36% |
Max Drawdown (3Y)Largest decline over 3 years | -18.36% | -19.64% | +1.28% |
Max Drawdown (5Y)Largest decline over 5 years | -35.27% | -53.78% | +18.51% |
Max Drawdown (10Y)Largest decline over 10 years | -52.72% | -59.54% | +6.82% |
Current DrawdownCurrent decline from peak | -2.19% | -15.74% | +13.55% |
Average DrawdownAverage peak-to-trough decline | -25.34% | -11.54% | -13.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.30% | 8.82% | -1.52% |
Volatility
TOWN vs. UGI - Volatility Comparison
TowneBank (TOWN) has a higher volatility of 5.98% compared to UGI Corporation (UGI) at 4.59%. This indicates that TOWN's price experiences larger fluctuations and is considered to be riskier than UGI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TOWN | UGI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.98% | 4.59% | +1.39% |
Volatility (6M)Calculated over the trailing 6-month period | 14.81% | 17.75% | -2.94% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.67% | 22.33% | +0.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 26.54% | 28.05% | -1.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.46% | 28.51% | +1.95% |
Dividends
TOWN vs. UGI - Dividend Comparison
TOWN's dividend yield for the trailing twelve months is around 4.72%, more than UGI's 4.15% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TOWN TowneBank | 4.72% | 3.18% | 2.94% | 3.29% | 2.89% | 2.47% | 3.07% | 2.52% | 2.59% | 1.79% | 1.53% | 2.25% |
UGI UGI Corporation | 4.15% | 4.01% | 5.31% | 6.04% | 3.84% | 2.97% | 3.76% | 2.68% | 1.93% | 2.10% | 2.04% | 2.67% |
Financials
TOWN vs. UGI - Financials Comparison
This section allows you to compare key financial metrics between TowneBank and UGI Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
TOWN vs. UGI - Profitability Comparison
TOWN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, TowneBank reported a gross profit of 421.22M and revenue of 497.37M. Therefore, the gross margin over that period was 84.7%.
UGI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, UGI Corporation reported a gross profit of 0.00 and revenue of 2.69B. Therefore, the gross margin over that period was 0.0%.
TOWN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, TowneBank reported an operating income of 253.70M and revenue of 497.37M, resulting in an operating margin of 51.0%.
UGI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, UGI Corporation reported an operating income of 758.00M and revenue of 2.69B, resulting in an operating margin of 28.2%.
TOWN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, TowneBank reported a net income of 193.19M and revenue of 497.37M, resulting in a net margin of 38.8%.
UGI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, UGI Corporation reported a net income of 520.00M and revenue of 2.69B, resulting in a net margin of 19.4%.
Frequently Asked Questions
TOWN and UGI have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TOWN has higher volatility (5.98%) compared to UGI (4.59%). In terms of maximum drawdown, TOWN dropped -64.73% vs UGI's -59.54%.
TOWN currently has the higher Sharpe Ratio (0.62 vs 0.18), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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