HTB
Price
$38.15
Change
-$0.71 (-1.83%)
Updated
Aug 1 closing price
Capitalization
476.94M
82 days until earnings call
MCBS
Price
$26.90
Change
-$0.70 (-2.54%)
Updated
Aug 1 closing price
Capitalization
629.13M
76 days until earnings call
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HTB vs MCBS

Header iconHTB vs MCBS Comparison
Open Charts HTB vs MCBSBanner chart's image
HomeTrust Bancshares
Price$38.15
Change-$0.71 (-1.83%)
Volume$61.01K
Capitalization476.94M
MetroCity Bankshares
Price$26.90
Change-$0.70 (-2.54%)
Volume$55.49K
Capitalization629.13M
HTB vs MCBS Comparison Chart in %
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HTB
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
Daily Signalchanged days ago
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HTB vs. MCBS commentary
Aug 02, 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 HTB is a Hold and MCBS is a Hold.

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COMPARISON
Comparison
Aug 02, 2025
Stock price -- (HTB: $38.15 vs. MCBS: $26.90)
Brand notoriety: HTB and MCBS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTB: 124% vs. MCBS: 129%
Market capitalization -- HTB: $476.94M vs. MCBS: $629.13M
HTB [@Regional Banks] is valued at $476.94M. MCBS’s [@Regional Banks] market capitalization is $629.13M. 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).

HTB’s FA Score shows that 2 FA rating(s) are green whileMCBS’s FA Score has 1 green FA rating(s).

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

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.

HTB’s TA Score shows that 2 TA indicator(s) are bullish while MCBS’s TA Score has 6 bullish TA indicator(s).

  • HTB’s TA Score: 2 bullish, 6 bearish.
  • MCBS’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, MCBS is a better buy in the short-term than HTB.

Price Growth

HTB (@Regional Banks) experienced а -6.27% price change this week, while MCBS (@Regional Banks) price change was -7.52% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -1.81%. For the same industry, the average monthly price growth was -0.38%, and the average quarterly price growth was +7.26%.

Reported Earning Dates

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

MCBS is expected to report earnings on Oct 17, 2025.

Industries' Descriptions

@Regional Banks (-1.81% 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
MCBS($629M) has a higher market cap than HTB($477M). MCBS has higher P/E ratio than HTB: MCBS (11.86) vs HTB (8.84). HTB YTD gains are higher at: 14.016 vs. MCBS (-13.745). MCBS has more cash in the bank: 251M vs. HTB (18.1M). HTB has less debt than MCBS: HTB (134M) vs MCBS (334M). HTB has higher revenues than MCBS: HTB (201M) vs MCBS (118M).
HTBMCBSHTB / MCBS
Capitalization477M629M76%
EBITDAN/AN/A-
Gain YTD14.016-13.745-102%
P/E Ratio8.8411.8675%
Revenue201M118M170%
Total Cash18.1M251M7%
Total Debt134M334M40%
FUNDAMENTALS RATINGS
HTB vs MCBS: Fundamental Ratings
HTB
MCBS
OUTLOOK RATING
1..100
7871
VALUATION
overvalued / fair valued / undervalued
1..100
79
Overvalued
86
Overvalued
PROFIT vs RISK RATING
1..100
2534
SMR RATING
1..100
2123
PRICE GROWTH RATING
1..100
5076
P/E GROWTH RATING
1..100
5179
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.

HTB's Valuation (79) in the Savings Banks industry is in the same range as MCBS (86) in the null industry. This means that HTB’s stock grew similarly to MCBS’s over the last 12 months.

HTB's Profit vs Risk Rating (25) in the Savings Banks industry is in the same range as MCBS (34) in the null industry. This means that HTB’s stock grew similarly to MCBS’s over the last 12 months.

HTB's SMR Rating (21) in the Savings Banks industry is in the same range as MCBS (23) in the null industry. This means that HTB’s stock grew similarly to MCBS’s over the last 12 months.

HTB's Price Growth Rating (50) in the Savings Banks industry is in the same range as MCBS (76) in the null industry. This means that HTB’s stock grew similarly to MCBS’s over the last 12 months.

HTB's P/E Growth Rating (51) in the Savings Banks industry is in the same range as MCBS (79) in the null industry. This means that HTB’s stock grew similarly to MCBS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBMCBS
RSI
ODDS (%)
Bearish Trend 1 day ago
67%
Bullish Trend 1 day ago
67%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
78%
Momentum
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
56%
MACD
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
64%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
62%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
69%
Bearish Trend 1 day ago
61%
Advances
ODDS (%)
Bullish Trend 10 days ago
64%
Bullish Trend 17 days ago
68%
Declines
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
60%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
67%
Bullish Trend 1 day ago
68%
Aroon
ODDS (%)
Bullish Trend 1 day ago
73%
Bullish Trend 1 day ago
66%
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HTB
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
Daily Signalchanged days ago
Gain/Loss if bought
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HTB and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTB
1D Price
Change %
HTB100%
-1.83%
CTBI - HTB
87%
Closely correlated
-1.61%
TCBK - HTB
86%
Closely correlated
-2.09%
FMBH - HTB
86%
Closely correlated
-1.34%
STBA - HTB
85%
Closely correlated
-2.48%
MCBS - HTB
85%
Closely correlated
-2.54%
More

MCBS and

Correlation & Price change

A.I.dvisor indicates that over the last year, MCBS has been closely correlated with TCBK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCBS jumps, then TCBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MCBS
1D Price
Change %
MCBS100%
-2.54%
TCBK - MCBS
88%
Closely correlated
-2.09%
MBWM - MCBS
88%
Closely correlated
-2.74%
IBCP - MCBS
88%
Closely correlated
-3.40%
UBSI - MCBS
88%
Closely correlated
-1.38%
IBOC - MCBS
88%
Closely correlated
-1.09%
More