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
UVSP
Price
$30.05
Change
+$0.13 (+0.43%)
Updated
Nov 19, 03:14 PM (EDT)
Capitalization
852.48M
70 days until earnings call
Intraday BUY SELL Signals
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HTBK vs UVSP

Header iconHTBK vs UVSP Comparison
Open Charts HTBK vs UVSPBanner chart's image
Heritage Commerce
Price$10.23
Change-$0.01 (-0.10%)
Volume$280
Capitalization627.54M
Univest Financial
Price$30.05
Change+$0.13 (+0.43%)
Volume$100
Capitalization852.48M
HTBK vs UVSP Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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VS
HTBK vs. UVSP 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 UVSP is a Hold.

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COMPARISON
Comparison
Nov 19, 2025
Stock price -- (HTBK: $10.24 vs. UVSP: $29.94)
Brand notoriety: HTBK and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 90% vs. UVSP: 89%
Market capitalization -- HTBK: $627.54M vs. UVSP: $852.48M
HTBK [@Regional Banks] is valued at $627.54M. UVSP’s [@Regional Banks] market capitalization is $852.48M. 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 whileUVSP’s FA Score has 2 green FA rating(s).

  • HTBK’s FA Score: 0 green, 5 red.
  • UVSP’s FA Score: 2 green, 3 red.
According to our system of comparison, both HTBK and UVSP 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 5 TA indicator(s) are bullish while UVSP’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

HTBK (@Regional Banks) experienced а -4.66% price change this week, while UVSP (@Regional Banks) price change was -2.20% 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.

UVSP 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
UVSP($852M) has a higher market cap than HTBK($628M). HTBK has higher P/E ratio than UVSP: HTBK (14.63) vs UVSP (10.05). HTBK YTD gains are higher at: 15.145 vs. UVSP (4.476). UVSP has more cash in the bank: 70.8M vs. HTBK (55.4M). HTBK has less debt than UVSP: HTBK (39.7M) vs UVSP (359M). UVSP has higher revenues than HTBK: UVSP (320M) vs HTBK (190M).
HTBKUVSPHTBK / UVSP
Capitalization628M852M74%
EBITDAN/AN/A-
Gain YTD15.1454.476338%
P/E Ratio14.6310.05146%
Revenue190M320M59%
Total Cash55.4M70.8M78%
Total Debt39.7M359M11%
FUNDAMENTALS RATINGS
HTBK vs UVSP: Fundamental Ratings
HTBK
UVSP
OUTLOOK RATING
1..100
2017
VALUATION
overvalued / fair valued / undervalued
1..100
53
Fair valued
29
Undervalued
PROFIT vs RISK RATING
1..100
5836
SMR RATING
1..100
3626
PRICE GROWTH RATING
1..100
4853
P/E GROWTH RATING
1..100
4366
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.

UVSP's Valuation (29) in the Regional Banks industry is in the same range as HTBK (53). This means that UVSP’s stock grew similarly to HTBK’s over the last 12 months.

UVSP's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as HTBK (58). This means that UVSP’s stock grew similarly to HTBK’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as HTBK (36). This means that UVSP’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 UVSP (53). This means that HTBK’s stock grew similarly to UVSP’s over the last 12 months.

HTBK's P/E Growth Rating (43) in the Regional Banks industry is in the same range as UVSP (66). This means that HTBK’s stock grew similarly to UVSP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKUVSP
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
60%
Bearish Trend 2 days ago
69%
Momentum
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
57%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 10 days ago
56%
Bullish Trend 8 days ago
55%
Declines
ODDS (%)
Bearish Trend 7 days ago
58%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
76%
Aroon
ODDS (%)
Bullish Trend 2 days ago
48%
Bullish Trend 2 days ago
45%
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HTBK
Daily Signal:
Gain/Loss:
UVSP
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%
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