HTB
Price
$39.51
Change
+$0.15 (+0.38%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
686.6M
64 days until earnings call
Intraday BUY SELL Signals
SFST
Price
$48.19
Change
+$0.27 (+0.56%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
394.64M
69 days until earnings call
Intraday BUY SELL Signals
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HTB vs SFST

Header iconHTB vs SFST Comparison
Open Charts HTB vs SFSTBanner chart's image
HomeTrust Bancshares
Price$39.51
Change+$0.15 (+0.38%)
Volume$309
Capitalization686.6M
Southern First Bancshares
Price$48.19
Change+$0.27 (+0.56%)
Volume$200
Capitalization394.64M
HTB vs SFST Comparison Chart in %
HTB
Daily Signal:
Gain/Loss:
SFST
Daily Signal:
Gain/Loss:
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VS
HTB vs. SFST commentary
Nov 20, 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 SFST is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (HTB: $39.36 vs. SFST: $47.75)
Brand notoriety: HTB and SFST are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTB: 82% vs. SFST: 113%
Market capitalization -- HTB: $690.96M vs. SFST: $394.64M
HTB [@Regional Banks] is valued at $690.96M. SFST’s [@Regional Banks] market capitalization is $394.64M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

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 whileSFST’s FA Score has 0 green FA rating(s).

  • HTB’s FA Score: 2 green, 3 red.
  • SFST’s FA Score: 0 green, 5 red.
According to our system of comparison, HTB is a better buy in the long-term than SFST.

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 1 TA indicator(s) are bullish while SFST’s TA Score has 6 bullish TA indicator(s).

  • HTB’s TA Score: 1 bullish, 5 bearish.
  • SFST’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, SFST is a better buy in the short-term than HTB.

Price Growth

HTB (@Regional Banks) experienced а -1.65% price change this week, while SFST (@Regional Banks) price change was -1.89% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

HTB is expected to report earnings on Jan 22, 2026.

SFST is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Regional Banks (-0.96% 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
HTB($687M) has a higher market cap than SFST($395M). SFST has higher P/E ratio than HTB: SFST (14.92) vs HTB (10.87). SFST YTD gains are higher at: 20.126 vs. HTB (18.369). HTB has more cash in the bank: 16.7M vs. SFST (13.9M). HTB has less debt than SFST: HTB (45.2M) vs SFST (265M). HTB has higher revenues than SFST: HTB (209M) vs SFST (111M).
HTBSFSTHTB / SFST
Capitalization687M395M174%
EBITDAN/AN/A-
Gain YTD18.36920.12691%
P/E Ratio10.8714.9273%
Revenue209M111M188%
Total Cash16.7M13.9M120%
Total Debt45.2M265M17%
FUNDAMENTALS RATINGS
HTB vs SFST: Fundamental Ratings
HTB
SFST
OUTLOOK RATING
1..100
1917
VALUATION
overvalued / fair valued / undervalued
1..100
88
Overvalued
72
Overvalued
PROFIT vs RISK RATING
1..100
2868
SMR RATING
1..100
3247
PRICE GROWTH RATING
1..100
5343
P/E GROWTH RATING
1..100
5789
SEASONALITY SCORE
1..100
n/a75

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.

SFST's Valuation (72) in the Regional Banks industry is in the same range as HTB (88) in the Savings Banks industry. This means that SFST’s stock grew similarly to HTB’s over the last 12 months.

HTB's Profit vs Risk Rating (28) in the Savings Banks industry is somewhat better than the same rating for SFST (68) in the Regional Banks industry. This means that HTB’s stock grew somewhat faster than SFST’s over the last 12 months.

HTB's SMR Rating (32) in the Savings Banks industry is in the same range as SFST (47) in the Regional Banks industry. This means that HTB’s stock grew similarly to SFST’s over the last 12 months.

SFST's Price Growth Rating (43) in the Regional Banks industry is in the same range as HTB (53) in the Savings Banks industry. This means that SFST’s stock grew similarly to HTB’s over the last 12 months.

HTB's P/E Growth Rating (57) in the Savings Banks industry is in the same range as SFST (89) in the Regional Banks industry. This means that HTB’s stock grew similarly to SFST’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBSFST
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
44%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
71%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
73%
Advances
ODDS (%)
Bullish Trend 23 days ago
62%
Bullish Trend 9 days ago
64%
Declines
ODDS (%)
N/A
Bearish Trend 7 days ago
60%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
58%
Aroon
ODDS (%)
Bearish Trend 2 days ago
73%
Bullish Trend 2 days ago
71%
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HTB
Daily Signal:
Gain/Loss:
SFST
Daily Signal:
Gain/Loss:
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HTB and

Correlation & Price change

A.I.dvisor indicates that over the last year, HTB has been closely correlated with TCBK. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTB jumps, then TCBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTB
1D Price
Change %
HTB100%
+0.66%
TCBK - HTB
85%
Closely correlated
+0.63%
OCFC - HTB
83%
Closely correlated
+2.73%
FMBH - HTB
82%
Closely correlated
-0.74%
IBCP - HTB
82%
Closely correlated
N/A
AX - HTB
82%
Closely correlated
+0.93%
More