FNLC
Price
$34.98
Change
+$0.99 (+2.91%)
Updated
Jul 24 closing price
Capitalization
394.43M
Intraday BUY SELL Signals
HBT
Price
$33.29
Change
+$0.77 (+2.37%)
Updated
Jul 24 closing price
Capitalization
1.21B
One day until earnings call
Intraday BUY SELL Signals
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FNLC vs HBT

FNLC vs HBT Comparison Chart in %
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FNLC vs. HBT commentary
Jul 26, 2026

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 FNLC is a Hold and HBT is a Hold.

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COMPARISON
Comparison
Jul 26, 2026
Stock price -- (FNLC: $34.98 vs. HBT: $33.29)
Brand notoriety: FNLC and HBT are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 52% vs. HBT: 41%
Market capitalization -- FNLC: $394.43M vs. HBT: $1.21B
FNLC [@Regional Banks] is valued at $394.43M. HBT’s [@Regional Banks] market capitalization is $1.21B. The market cap for tickers in the [@Regional Banks] industry ranges from $142.82B to $0. The average market capitalization across the [@Regional Banks] industry is $6.44B.

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).

FNLC’s FA Score shows that 2 FA rating(s) are green whileHBT’s FA Score has 2 green FA rating(s).

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

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.

FNLC’s TA Score shows that 3 TA indicator(s) are bullish while HBT’s TA Score has 3 bullish TA indicator(s).

  • FNLC’s TA Score: 3 bullish, 5 bearish.
  • HBT’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, FNLC is a better buy in the short-term than HBT.

Price Growth

FNLC (@Regional Banks) experienced а +1.36% price change this week, while HBT (@Regional Banks) price change was +1.59% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.57%. For the same industry, the average monthly price growth was +2.43%, and the average quarterly price growth was +14.08%.

Reported Earning Dates

HBT is expected to report earnings on Jul 27, 2026.

Industries' Descriptions

@Regional Banks (-0.57% 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
HBT($1.21B) has a higher market cap than FNLC($394M). HBT has higher P/E ratio than FNLC: HBT (15.30) vs FNLC (10.80). FNLC YTD gains are higher at: 37.331 vs. HBT (30.882). HBT (24.4M) and FNLC (23.6M) have equal amount of cash in the bank . HBT has less debt than FNLC: HBT (149M) vs FNLC (196M). HBT has higher revenues than FNLC: HBT (245M) vs FNLC (98.1M).
FNLCHBTFNLC / HBT
Capitalization394M1.21B33%
EBITDAN/AN/A-
Gain YTD37.33130.882121%
P/E Ratio10.8015.3071%
Revenue98.1M245M40%
Total Cash23.6M24.4M97%
Total Debt196M149M132%
FUNDAMENTALS RATINGS
FNLC vs HBT: Fundamental Ratings
FNLC
HBT
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
20
Undervalued
62
Fair valued
PROFIT vs RISK RATING
1..100
318
SMR RATING
1..100
5654
PRICE GROWTH RATING
1..100
3941
P/E GROWTH RATING
1..100
3621
SEASONALITY SCORE
1..100
5050

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.

FNLC's Valuation (20) in the Regional Banks industry is somewhat better than the same rating for HBT (62) in the null industry. This means that FNLC’s stock grew somewhat faster than HBT’s over the last 12 months.

HBT's Profit vs Risk Rating (8) in the null industry is in the same range as FNLC (31) in the Regional Banks industry. This means that HBT’s stock grew similarly to FNLC’s over the last 12 months.

HBT's SMR Rating (54) in the null industry is in the same range as FNLC (56) in the Regional Banks industry. This means that HBT’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Price Growth Rating (39) in the Regional Banks industry is in the same range as HBT (41) in the null industry. This means that FNLC’s stock grew similarly to HBT’s over the last 12 months.

HBT's P/E Growth Rating (21) in the null industry is in the same range as FNLC (36) in the Regional Banks industry. This means that HBT’s stock grew similarly to FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCHBT
RSI
ODDS (%)
Bearish Trend 3 days ago
65%
Bearish Trend 3 days ago
69%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
45%
Bearish Trend 3 days ago
68%
Momentum
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
74%
MACD
ODDS (%)
Bearish Trend 3 days ago
56%
Bearish Trend 3 days ago
62%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
53%
Bullish Trend 3 days ago
62%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
62%
Advances
ODDS (%)
Bullish Trend 3 days ago
51%
Bullish Trend 3 days ago
66%
Declines
ODDS (%)
Bearish Trend 5 days ago
48%
Bearish Trend 13 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
72%
Bearish Trend 3 days ago
65%
Aroon
ODDS (%)
Bullish Trend 3 days ago
52%
Bullish Trend 3 days ago
52%
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FNLC
Daily Signal:
Gain/Loss:
HBT
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with THFF. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then THFF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
+2.91%
THFF - FNLC
78%
Closely correlated
+1.83%
HBT - FNLC
77%
Closely correlated
+2.37%
SRCE - FNLC
77%
Closely correlated
+3.20%
MBWM - FNLC
76%
Closely correlated
+2.31%
PEBO - FNLC
75%
Closely correlated
+1.28%
More

HBT and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBT has been closely correlated with THFF. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBT jumps, then THFF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBT
1D Price
Change %
HBT100%
+2.37%
THFF - HBT
81%
Closely correlated
+1.83%
MBWM - HBT
81%
Closely correlated
+2.31%
PFIS - HBT
81%
Closely correlated
+2.10%
FMBH - HBT
81%
Closely correlated
+1.90%
UVSP - HBT
81%
Closely correlated
-0.18%
More