HTBK
Price
$10.09
Change
+$0.06 (+0.60%)
Updated
Sep 17, 04:59 PM (EDT)
Capitalization
618.15M
36 days until earnings call
TOWN
Price
$35.13
Change
+$0.02 (+0.06%)
Updated
Sep 17, 04:59 PM (EDT)
Capitalization
2.77B
36 days until earnings call
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HTBK vs TOWN

Header iconHTBK vs TOWN Comparison
Open Charts HTBK vs TOWNBanner chart's image
Heritage Commerce
Price$10.09
Change+$0.06 (+0.60%)
Volume$5.04K
Capitalization618.15M
TowneBank
Price$35.13
Change+$0.02 (+0.06%)
Volume$3.97K
Capitalization2.77B
HTBK vs TOWN Comparison Chart in %
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HTBK
Daily Signalchanged days ago
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TOWN
Daily Signalchanged days ago
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HTBK vs. TOWN commentary
Sep 17, 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 TOWN is a Hold.

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COMPARISON
Comparison
Sep 17, 2025
Stock price -- (HTBK: $10.03 vs. TOWN: $35.11)
Brand notoriety: HTBK and TOWN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 54% vs. TOWN: 58%
Market capitalization -- HTBK: $618.15M vs. TOWN: $2.77B
HTBK [@Regional Banks] is valued at $618.15M. TOWN’s [@Regional Banks] market capitalization is $2.77B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.16B to $0. The average market capitalization across the [@Regional Banks] industry is $7.98B.

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 1 FA rating(s) are green whileTOWN’s FA Score has 2 green FA rating(s).

  • HTBK’s FA Score: 1 green, 4 red.
  • TOWN’s FA Score: 2 green, 3 red.
According to our system of comparison, both HTBK and TOWN are a good buy in the long-term.

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 6 TA indicator(s) are bullish while TOWN’s TA Score has 3 bullish TA indicator(s).

  • HTBK’s TA Score: 6 bullish, 4 bearish.
  • TOWN’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, HTBK is a better buy in the short-term than TOWN.

Price Growth

HTBK (@Regional Banks) experienced а -1.96% price change this week, while TOWN (@Regional Banks) price change was -2.26% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.33%. For the same industry, the average monthly price growth was +2.97%, and the average quarterly price growth was +13.45%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.33% 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
TOWN($2.77B) has a higher market cap than HTBK($618M). HTBK (15.92) and TOWN (15.20) have similar P/E ratio . HTBK YTD gains are higher at: 11.429 vs. TOWN (4.657). TOWN has more cash in the bank: 127M vs. HTBK (44.3M). HTBK has less debt than TOWN: HTBK (39.7M) vs TOWN (273M). TOWN has higher revenues than HTBK: TOWN (750M) vs HTBK (182M).
HTBKTOWNHTBK / TOWN
Capitalization618M2.77B22%
EBITDAN/AN/A-
Gain YTD11.4294.657245%
P/E Ratio15.9215.20105%
Revenue182M750M24%
Total Cash44.3M127M35%
Total Debt39.7M273M15%
FUNDAMENTALS RATINGS
HTBK vs TOWN: Fundamental Ratings
HTBK
TOWN
OUTLOOK RATING
1..100
7160
VALUATION
overvalued / fair valued / undervalued
1..100
52
Fair valued
57
Fair valued
PROFIT vs RISK RATING
1..100
5625
SMR RATING
1..100
3817
PRICE GROWTH RATING
1..100
5155
P/E GROWTH RATING
1..100
2560
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.

HTBK's Valuation (52) in the Regional Banks industry is in the same range as TOWN (57). This means that HTBK’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's Profit vs Risk Rating (25) in the Regional Banks industry is in the same range as HTBK (56). This means that TOWN’s stock grew similarly to HTBK’s over the last 12 months.

TOWN's SMR Rating (17) in the Regional Banks industry is in the same range as HTBK (38). This means that TOWN’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's Price Growth Rating (51) in the Regional Banks industry is in the same range as TOWN (55). This means that HTBK’s stock grew similarly to TOWN’s over the last 12 months.

HTBK's P/E Growth Rating (25) in the Regional Banks industry is somewhat better than the same rating for TOWN (60). This means that HTBK’s stock grew somewhat faster than TOWN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKTOWN
RSI
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
69%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
64%
Momentum
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
63%
MACD
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
66%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
58%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
57%
Bearish Trend 2 days ago
57%
Advances
ODDS (%)
Bullish Trend 7 days ago
59%
Bullish Trend 7 days ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
53%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
81%
Aroon
ODDS (%)
Bullish Trend 2 days ago
48%
N/A
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HTBK
Daily Signalchanged days ago
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TOWN
Daily Signalchanged days ago
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HTBK and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
-0.30%
FMBH - HTBK
88%
Closely correlated
-1.07%
UBSI - HTBK
88%
Closely correlated
-0.83%
SRCE - HTBK
87%
Closely correlated
-0.28%
STBA - HTBK
87%
Closely correlated
-1.40%
FFIN - HTBK
87%
Closely correlated
-1.13%
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