HBNC
Price
$19.99
Change
+$0.39 (+1.99%)
Updated
Oct 22 closing price
Capitalization
1.03B
97 days until earnings call
Intraday BUY SELL Signals
OSBC
Price
$24.71
Change
-$0.16 (-0.64%)
Updated
Oct 22 closing price
Capitalization
1.26B
97 days until earnings call
Intraday BUY SELL Signals
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HBNC vs OSBC

HBNC vs OSBC Comparison Chart in %
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HBNC vs. OSBC commentary
Oct 23, 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 HBNC is a Hold and OSBC is a Hold.

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SUMMARIES
A.I.Advisor
a Summary for HBNC with price predictions
Oct 22, 2026

HBNC in upward trend: price rose above 50-day moving average on October 20, 2026

HBNC moved above its 50-day moving average on October 20, 2026 date and that indicates a change from a downward trend to an upward trend. In 35 of 47 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 74%.

Price Prediction Chart

Technical Analysis (Indicators)

Bullish Trend Analysis

The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where HBNC's RSI Oscillator exited the oversold zone, 14 of 21 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.

The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on HBNC as a result. In 46 of 80 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 57%.

The Moving Average Convergence Divergence (MACD) for HBNC just turned positive on October 02, 2026. Looking at past instances where HBNC's MACD turned positive, the stock continued to rise in 28 of 45 cases over the following month. The odds of a continued upward trend are 62%.

Following a +2.48% 3-day Advance, the price is estimated to grow further. Considering data from situations where HBNC advanced for three days, in 195 of 305 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.

Bearish Trend Analysis

The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.

Following a 3-day decline, the stock is projected to fall further. Considering past instances where HBNC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 67%.

HBNC broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.

The Aroon Indicator for HBNC entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.

Fundamental Analysis (Ratings)

The Tickeron Valuation Rating of 1 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.413) is normal, around the industry mean (1.268). P/E Ratio (-6.132) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.280) is also within normal values, averaging (1.190). Dividend Yield (0.032) settles around the average of (0.035) among similar stocks. P/S Ratio (3.319) is also within normal values, averaging (3.738).

The Tickeron Price Growth Rating for this company is 45 (best 1 - 100 worst), indicating steady price growth. HBNC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.

The Tickeron SMR rating for this company is 67 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron Profit vs. Risk Rating rating for this company is 68 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. HBNC’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock worse than average.

The Tickeron PE Growth Rating for this company is 98 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

A.I.Advisor
a Summary for OSBC with price predictions
Oct 22, 2026

OSBC in downward trend: price dove below 50-day moving average on September 21, 2026

OSBC moved below its 50-day moving average on September 21, 2026 date and that indicates a change from an upward trend to a downward trend. In 26 of 44 similar past instances, the stock price decreased further within the following month. The odds of a continued downward trend are 59%.

Price Prediction Chart

Technical Analysis (Indicators)

Bearish Trend Analysis

The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 28 of 58 cases where OSBC's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 48%.

The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on OSBC as a result. In 49 of 89 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 55%.

The 10-day moving average for OSBC crossed bearishly below the 50-day moving average on September 24, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 17 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 53%.

Following a 3-day decline, the stock is projected to fall further. Considering past instances where OSBC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.

The Aroon Indicator for OSBC entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.

Bullish Trend Analysis

The Moving Average Convergence Divergence (MACD) for OSBC just turned positive on October 15, 2026. Looking at past instances where OSBC's MACD turned positive, the stock continued to rise in 32 of 46 cases over the following month. The odds of a continued upward trend are 70%.

Following a +1.01% 3-day Advance, the price is estimated to grow further. Considering data from situations where OSBC advanced for three days, in 194 of 306 cases, the price rose further within the following month. The odds of a continued upward trend are 63%.

Fundamental Analysis (Ratings)

The Tickeron PE Growth Rating for this company is 11 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

The Tickeron Profit vs. Risk Rating rating for this company is 17 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.

The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating steady price growth. OSBC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron Valuation Rating of 59 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.392) is normal, around the industry mean (1.268). P/E Ratio (14.120) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.350) is also within normal values, averaging (1.190). Dividend Yield (0.011) settles around the average of (0.035) among similar stocks. P/S Ratio (3.486) is also within normal values, averaging (3.738).

The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.

FUNDAMENTALS RATINGS
HBNC vs OSBC: Fundamental Ratings
HBNC
OSBC
OUTLOOK RATING
1..100
1979
VALUATION
overvalued / fair valued / undervalued
1..100
1
Undervalued
59
Fair valued
PROFIT vs RISK RATING
1..100
6817
SMR RATING
1..100
6720
PRICE GROWTH RATING
1..100
4542
P/E GROWTH RATING
1..100
9811
SEASONALITY SCORE
1..100
5085

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.

HBNC's Valuation (1) in the Regional Banks industry is somewhat better than the same rating for OSBC (59). This means that HBNC’s stock grew somewhat faster than OSBC’s over the last 12 months.

OSBC's Profit vs Risk Rating (17) in the Regional Banks industry is somewhat better than the same rating for HBNC (68). This means that OSBC’s stock grew somewhat faster than HBNC’s over the last 12 months.

OSBC's SMR Rating (20) in the Regional Banks industry is somewhat better than the same rating for HBNC (67). This means that OSBC’s stock grew somewhat faster than HBNC’s over the last 12 months.

OSBC's Price Growth Rating (42) in the Regional Banks industry is in the same range as HBNC (45). This means that OSBC’s stock grew similarly to HBNC’s over the last 12 months.

OSBC's P/E Growth Rating (11) in the Regional Banks industry is significantly better than the same rating for HBNC (98). This means that OSBC’s stock grew significantly faster than HBNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HBNCOSBC
RSI
ODDS (%)
Bullish Trend 1 day ago
67%
N/A
Stochastic
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
48%
Momentum
ODDS (%)
Bullish Trend 1 day ago
57%
Bearish Trend 1 day ago
55%
MACD
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
70%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
64%
Bearish Trend 1 day ago
53%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
59%
Advances
ODDS (%)
Bullish Trend 7 days ago
64%
Bullish Trend 7 days ago
63%
Declines
ODDS (%)
Bearish Trend 9 days ago
67%
Bearish Trend 1 day ago
54%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
68%
N/A
Aroon
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
46%
COMPARISON
Comparison
Oct 23, 2026
Stock price -- (HBNC: $19.60 vs. OSBC: $24.87)
Brand notoriety: HBNC and OSBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HBNC: 62% vs. OSBC: 83%
Market capitalization -- HBNC: $1.03B vs. OSBC: $1.26B
HBNC [@Regional Banks] is valued at $1.03B. OSBC’s [@Regional Banks] market capitalization is $1.26B. The market cap for tickers in the [@Regional Banks] industry ranges from $147.93 to $173.74B. The average market capitalization across the [@Regional Banks] industry is $6.21B.

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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

HBNC’s FA Score shows that 1 FA rating(s) are green while OSBC’s FA Score has 3 green FA rating(s).

  • HBNC’s FA Score: 1 green, 4 red.
  • OSBC’s FA Score: 3 green, 2 red.
According to our system of comparison, OSBC is a better buy in the long-term than HBNC.

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.

HBNC’s TA Score shows that 6 TA indicator(s) are bullish while OSBC’s TA Score has 3 bullish TA indicator(s).

  • HBNC’s TA Score: 6 bullish, 3 bearish.
  • OSBC’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, HBNC is a better buy in the short-term than OSBC.

Price Growth

HBNC (@Regional Banks) experienced а +3.21% price change this week, while OSBC (@Regional Banks) price change was +0.97% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.63%. For the same industry, the average monthly price growth was -0.03%, and the average quarterly price growth was +8.99%.

Reported Earning Dates

HBNC is expected to report earnings on Jan 27, 2027.

OSBC is expected to report earnings on Jan 27, 2027.

Industries' Descriptions

@Regional Banks (+2.63% 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.

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HBNC
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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HBNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBNC has been closely correlated with BY. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBNC jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBNC
1D Price
Change %
HBNC100%
+1.99%
BY - HBNC
86%
Closely correlated
+1.60%
UVSP - HBNC
85%
Closely correlated
+1.32%
BUSE - HBNC
84%
Closely correlated
+2.89%
EFSC - HBNC
83%
Closely correlated
+1.26%
FMBH - HBNC
83%
Closely correlated
+2.76%
More

OSBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OSBC has been closely correlated with BY. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if OSBC jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OSBC
1D Price
Change %
OSBC100%
-0.64%
BY - OSBC
82%
Closely correlated
+1.60%
GSBC - OSBC
81%
Closely correlated
+1.09%
EQBK - OSBC
81%
Closely correlated
+2.31%
HBNC - OSBC
80%
Closely correlated
+1.99%
EFSC - OSBC
80%
Closely correlated
+1.26%
More
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