HTBK
Price
$10.23
Change
-$0.01 (-0.10%)
Updated
Nov 19, 01:45 PM (EDT)
Capitalization
627.54M
64 days until earnings call
Intraday BUY SELL Signals
NBTB
Price
$39.70
Change
-$0.07 (-0.18%)
Updated
Nov 19, 01:44 PM (EDT)
Capitalization
2.08B
70 days until earnings call
Intraday BUY SELL Signals
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HTBK vs NBTB

Header iconHTBK vs NBTB Comparison
Open Charts HTBK vs NBTBBanner chart's image
Heritage Commerce
Price$10.23
Change-$0.01 (-0.10%)
Volume$280
Capitalization627.54M
NBT Ban
Price$39.70
Change-$0.07 (-0.18%)
Volume$200
Capitalization2.08B
HTBK vs NBTB Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
NBTB
Daily Signal:
Gain/Loss:
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VS
HTBK vs. NBTB commentary
Nov 19, 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 HTBK is a Hold and NBTB is a Hold.

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COMPARISON
Comparison
Nov 19, 2025
Stock price -- (HTBK: $10.24 vs. NBTB: $39.77)
Brand notoriety: HTBK and NBTB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 90% vs. NBTB: 87%
Market capitalization -- HTBK: $627.54M vs. NBTB: $2.08B
HTBK [@Regional Banks] is valued at $627.54M. NBTB’s [@Regional Banks] market capitalization is $2.08B. The market cap for tickers in the [@Regional Banks] industry ranges from $172.09B 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).

HTBK’s FA Score shows that 0 FA rating(s) are green whileNBTB’s FA Score has 1 green FA rating(s).

  • HTBK’s FA Score: 0 green, 5 red.
  • NBTB’s FA Score: 1 green, 4 red.
According to our system of comparison, HTBK is a better buy in the long-term than NBTB.

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.

HTBK’s TA Score shows that 5 TA indicator(s) are bullish while NBTB’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

HTBK (@Regional Banks) experienced а -4.66% price change this week, while NBTB (@Regional Banks) price change was -4.61% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -1.14%. For the same industry, the average monthly price growth was +1.42%, and the average quarterly price growth was +11.12%.

Reported Earning Dates

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

NBTB is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (-1.14% 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
NBTB($2.08B) has a higher market cap than HTBK($628M). HTBK has higher P/E ratio than NBTB: HTBK (14.63) vs NBTB (13.17). HTBK YTD gains are higher at: 15.145 vs. NBTB (-14.741). NBTB has more cash in the bank: 217M vs. HTBK (55.4M). HTBK has less debt than NBTB: HTBK (39.7M) vs NBTB (298M). NBTB has higher revenues than HTBK: NBTB (619M) vs HTBK (190M).
HTBKNBTBHTBK / NBTB
Capitalization628M2.08B30%
EBITDAN/AN/A-
Gain YTD15.145-14.741-103%
P/E Ratio14.6313.17111%
Revenue190M619M31%
Total Cash55.4M217M26%
Total Debt39.7M298M13%
FUNDAMENTALS RATINGS
HTBK vs NBTB: Fundamental Ratings
HTBK
NBTB
OUTLOOK RATING
1..100
2077
VALUATION
overvalued / fair valued / undervalued
1..100
53
Fair valued
49
Fair valued
PROFIT vs RISK RATING
1..100
5848
SMR RATING
1..100
3618
PRICE GROWTH RATING
1..100
4873
P/E GROWTH RATING
1..100
4371
SEASONALITY SCORE
1..100
n/a50

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.

NBTB's Valuation (49) in the Regional Banks industry is in the same range as HTBK (53). This means that NBTB’s stock grew similarly to HTBK’s over the last 12 months.

NBTB's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as HTBK (58). This means that NBTB’s stock grew similarly to HTBK’s over the last 12 months.

NBTB's SMR Rating (18) in the Regional Banks industry is in the same range as HTBK (36). This means that NBTB’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's Price Growth Rating (48) in the Regional Banks industry is in the same range as NBTB (73). This means that HTBK’s stock grew similarly to NBTB’s over the last 12 months.

HTBK's P/E Growth Rating (43) in the Regional Banks industry is in the same range as NBTB (71). This means that HTBK’s stock grew similarly to NBTB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKNBTB
RSI
ODDS (%)
N/A
Bullish Trend 7 days ago
61%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
60%
Bullish Trend 2 days ago
57%
Momentum
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
56%
MACD
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
58%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
59%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
53%
Bearish Trend 2 days ago
53%
Advances
ODDS (%)
Bullish Trend 10 days ago
56%
Bullish Trend 20 days ago
59%
Declines
ODDS (%)
Bearish Trend 7 days ago
58%
Bearish Trend 3 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 2 days ago
64%
Aroon
ODDS (%)
Bullish Trend 2 days ago
48%
Bearish Trend 2 days ago
59%
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HTBK
Daily Signal:
Gain/Loss:
NBTB
Daily Signal:
Gain/Loss:
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HTBK and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
+0.39%
UVSP - HTBK
86%
Closely correlated
-0.01%
WSBC - HTBK
86%
Closely correlated
+1.54%
HOMB - HTBK
85%
Closely correlated
+1.56%
NBTB - HTBK
84%
Closely correlated
+0.30%
FULT - HTBK
84%
Closely correlated
+1.29%
More

NBTB and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NBTB
1D Price
Change %
NBTB100%
+0.30%
SBSI - NBTB
87%
Closely correlated
+0.28%
HOPE - NBTB
87%
Closely correlated
+0.61%
STBA - NBTB
87%
Closely correlated
+1.60%
CATY - NBTB
86%
Closely correlated
+1.15%
ABCB - NBTB
85%
Closely correlated
+1.77%
More