HTLF
Price
$64.67
Change
-$1.43 (-2.16%)
Updated
Jan 31 closing price
Capitalization
1.5B
OCFC
Price
$16.64
Change
-$0.06 (-0.36%)
Updated
May 9 closing price
Capitalization
932.06M
75 days until earnings call
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HTLF vs OCFC

Header iconHTLF vs OCFC Comparison
Open Charts HTLF vs OCFCBanner chart's image
Heartland Financial USA
Price$64.67
Change-$1.43 (-2.16%)
Volume$3.03M
Capitalization1.5B
OceanFirst Financial
Price$16.64
Change-$0.06 (-0.36%)
Volume$235.79K
Capitalization932.06M
HTLF vs OCFC Comparison Chart
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OCFC
Daily Signalchanged days ago
Gain/Loss if bought
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HTLF vs. OCFC commentary
May 11, 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 HTLF is a StrongBuy and OCFC is a Buy.

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COMPARISON
Comparison
May 11, 2025
Stock price -- (HTLF: $64.67 vs. OCFC: $16.64)
Brand notoriety: HTLF and OCFC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTLF: 100% vs. OCFC: 79%
Market capitalization -- HTLF: $1.5B vs. OCFC: $932.06M
HTLF [@Regional Banks] is valued at $1.5B. OCFC’s [@Regional Banks] market capitalization is $932.06M. 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 $5.97B.

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).

HTLF’s FA Score shows that 3 FA rating(s) are green whileOCFC’s FA Score has 3 green FA rating(s).

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

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.

OCFC’s TA Score shows that 8 TA indicator(s) are bullish.

  • OCFC’s TA Score: 8 bullish, 3 bearish.

Price Growth

HTLF (@Regional Banks) experienced а 0.00% price change this week, while OCFC (@Regional Banks) price change was -2.18% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.64%. For the same industry, the average monthly price growth was +6.60%, and the average quarterly price growth was +4.22%.

Reported Earning Dates

HTLF is expected to report earnings on Apr 28, 2025.

OCFC is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Regional Banks (+0.64% 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
HTLF($1.5B) has a higher market cap than OCFC($932M). HTLF has higher P/E ratio than OCFC: HTLF (20.24) vs OCFC (9.30). HTLF YTD gains are higher at: 5.999 vs. OCFC (-5.938). HTLF has less debt than OCFC: HTLF (803M) vs OCFC (974M). HTLF has higher revenues than OCFC: HTLF (580M) vs OCFC (399M).
HTLFOCFCHTLF / OCFC
Capitalization1.5B932M161%
EBITDAN/AN/A-
Gain YTD5.999-5.938-101%
P/E Ratio20.249.30218%
Revenue580M399M145%
Total Cash276MN/A-
Total Debt803M974M82%
FUNDAMENTALS RATINGS
HTLF vs OCFC: Fundamental Ratings
HTLF
OCFC
OUTLOOK RATING
1..100
5015
VALUATION
overvalued / fair valued / undervalued
1..100
93
Overvalued
20
Undervalued
PROFIT vs RISK RATING
1..100
2362
SMR RATING
1..100
910
PRICE GROWTH RATING
1..100
4851
P/E GROWTH RATING
1..100
1126
SEASONALITY SCORE
1..100
5049

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.

OCFC's Valuation (20) in the Savings Banks industry is significantly better than the same rating for HTLF (93) in the Regional Banks industry. This means that OCFC’s stock grew significantly faster than HTLF’s over the last 12 months.

HTLF's Profit vs Risk Rating (23) in the Regional Banks industry is somewhat better than the same rating for OCFC (62) in the Savings Banks industry. This means that HTLF’s stock grew somewhat faster than OCFC’s over the last 12 months.

HTLF's SMR Rating (9) in the Regional Banks industry is in the same range as OCFC (10) in the Savings Banks industry. This means that HTLF’s stock grew similarly to OCFC’s over the last 12 months.

HTLF's Price Growth Rating (48) in the Regional Banks industry is in the same range as OCFC (51) in the Savings Banks industry. This means that HTLF’s stock grew similarly to OCFC’s over the last 12 months.

HTLF's P/E Growth Rating (11) in the Regional Banks industry is in the same range as OCFC (26) in the Savings Banks industry. This means that HTLF’s stock grew similarly to OCFC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OCFC
RSI
ODDS (%)
Bullish Trend 2 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
70%
Momentum
ODDS (%)
Bullish Trend 2 days ago
55%
MACD
ODDS (%)
Bullish Trend 2 days ago
57%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
61%
Advances
ODDS (%)
Bullish Trend 9 days ago
65%
Declines
ODDS (%)
Bearish Trend 4 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 5 days ago
61%
Aroon
ODDS (%)
Bullish Trend 2 days ago
59%
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OCFC
Daily Signalchanged days ago
Gain/Loss if bought
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HTLF and

Correlation & Price change

A.I.dvisor indicates that over the last year, HTLF has been closely correlated with HTBK. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTLF jumps, then HTBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTLF
1D Price
Change %
HTLF100%
N/A
HTBK - HTLF
79%
Closely correlated
-1.08%
UMBF - HTLF
78%
Closely correlated
-0.52%
HBAN - HTLF
77%
Closely correlated
N/A
MBWM - HTLF
75%
Closely correlated
-0.32%
CHCO - HTLF
75%
Closely correlated
-0.29%
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OCFC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OCFC has been closely correlated with HOPE. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if OCFC jumps, then HOPE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OCFC
1D Price
Change %
OCFC100%
-0.36%
HOPE - OCFC
89%
Closely correlated
-0.10%
NWBI - OCFC
88%
Closely correlated
-0.56%
UBSI - OCFC
88%
Closely correlated
-0.92%
ASB - OCFC
87%
Closely correlated
-0.26%
PEBO - OCFC
87%
Closely correlated
-0.03%
More