FNB
Price
$15.03
Change
+$0.16 (+1.08%)
Updated
Aug 4, 04:59 PM (EDT)
Capitalization
4.97B
71 days until earnings call
HTBK
Price
$9.38
Change
+$0.13 (+1.41%)
Updated
Aug 4, 04:59 PM (EDT)
Capitalization
524.83M
80 days until earnings call
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FNB vs HTBK

Header iconFNB vs HTBK Comparison
Open Charts FNB vs HTBKBanner chart's image
FNB
Price$15.03
Change+$0.16 (+1.08%)
Volume$51.51K
Capitalization4.97B
Heritage Commerce
Price$9.38
Change+$0.13 (+1.41%)
Volume$11.39K
Capitalization524.83M
FNB vs HTBK Comparison Chart in %
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FNB
Daily Signalchanged days ago
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HTBK
Daily Signalchanged days ago
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FNB vs. HTBK commentary
Aug 05, 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 FNB is a Buy and HTBK is a Hold.

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COMPARISON
Comparison
Aug 05, 2025
Stock price -- (FNB: $15.00 vs. HTBK: $9.39)
Brand notoriety: FNB and HTBK are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNB: 126% vs. HTBK: 111%
Market capitalization -- FNB: $4.97B vs. HTBK: $524.83M
FNB [@Regional Banks] is valued at $4.97B. HTBK’s [@Regional Banks] market capitalization is $524.83M. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.06B.

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).

FNB’s FA Score shows that 2 FA rating(s) are green whileHTBK’s FA Score has 3 green FA rating(s).

  • FNB’s FA Score: 2 green, 3 red.
  • HTBK’s FA Score: 3 green, 2 red.
According to our system of comparison, both FNB and HTBK are a good buy in the long-term.

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.

FNB’s TA Score shows that 5 TA indicator(s) are bullish while HTBK’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

FNB (@Regional Banks) experienced а -4.52% price change this week, while HTBK (@Regional Banks) price change was -3.99% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -1.05%. For the same industry, the average monthly price growth was -0.18%, and the average quarterly price growth was +7.39%.

Reported Earning Dates

FNB is expected to report earnings on Oct 15, 2025.

HTBK is expected to report earnings on Oct 23, 2025.

Industries' Descriptions

@Regional Banks (-1.05% 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
FNB($4.97B) has a higher market cap than HTBK($525M). FNB has higher P/E ratio than HTBK: FNB (10.55) vs HTBK (8.01). FNB YTD gains are higher at: 3.209 vs. HTBK (1.348). FNB has more cash in the bank: 447M vs. HTBK (40.1M). HTBK has less debt than FNB: HTBK (39.5M) vs FNB (3.98B). FNB has higher revenues than HTBK: FNB (1.57B) vs HTBK (192M).
FNBHTBKFNB / HTBK
Capitalization4.97B525M946%
EBITDAN/AN/A-
Gain YTD3.2091.348238%
P/E Ratio10.558.01132%
Revenue1.57B192M818%
Total Cash447M40.1M1,115%
Total Debt3.98B39.5M10,086%
FUNDAMENTALS RATINGS
FNB vs HTBK: Fundamental Ratings
FNB
HTBK
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
38
Fair valued
32
Undervalued
PROFIT vs RISK RATING
1..100
2558
SMR RATING
1..100
1024
PRICE GROWTH RATING
1..100
5562
P/E GROWTH RATING
1..100
5732
SEASONALITY SCORE
1..100
n/an/a

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.

HTBK's Valuation (32) in the Regional Banks industry is in the same range as FNB (38). This means that HTBK’s stock grew similarly to FNB’s over the last 12 months.

FNB's Profit vs Risk Rating (25) in the Regional Banks industry is somewhat better than the same rating for HTBK (58). This means that FNB’s stock grew somewhat faster than HTBK’s over the last 12 months.

FNB's SMR Rating (10) in the Regional Banks industry is in the same range as HTBK (24). This means that FNB’s stock grew similarly to HTBK’s over the last 12 months.

FNB's Price Growth Rating (55) in the Regional Banks industry is in the same range as HTBK (62). This means that FNB’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's P/E Growth Rating (32) in the Regional Banks industry is in the same range as FNB (57). This means that HTBK’s stock grew similarly to FNB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNBHTBK
RSI
ODDS (%)
Bearish Trend 4 days ago
66%
Bullish Trend 4 days ago
38%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
71%
Bullish Trend 4 days ago
62%
Momentum
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 4 days ago
61%
MACD
ODDS (%)
Bearish Trend 4 days ago
56%
Bearish Trend 4 days ago
65%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
62%
Bearish Trend 4 days ago
60%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
59%
Bearish Trend 4 days ago
58%
Advances
ODDS (%)
Bullish Trend 8 days ago
58%
Bullish Trend 19 days ago
58%
Declines
ODDS (%)
Bearish Trend 4 days ago
58%
Bearish Trend 5 days ago
57%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
66%
Bullish Trend 4 days ago
55%
Aroon
ODDS (%)
Bullish Trend 4 days ago
54%
Bearish Trend 4 days ago
69%
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FNB
Daily Signalchanged days ago
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HTBK
Daily Signalchanged days ago
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HTBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, HTBK has been closely correlated with UBSI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTBK jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
N/A
UBSI - HTBK
87%
Closely correlated
-1.38%
STBA - HTBK
87%
Closely correlated
-2.48%
FNB - HTBK
87%
Closely correlated
-3.00%
FFIN - HTBK
87%
Closely correlated
-1.65%
BHLB - HTBK
87%
Closely correlated
-1.22%
More