CZNC
Price
$23.49
Change
-$0.03 (-0.13%)
Updated
Feb 6 closing price
Capitalization
419.74M
68 days until earnings call
Intraday BUY SELL Signals
HTBK
Price
$13.70
Change
+$0.29 (+2.16%)
Updated
Feb 6 closing price
Capitalization
840.75M
75 days until earnings call
Intraday BUY SELL Signals
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CZNC vs HTBK

Header iconCZNC vs HTBK Comparison
Open Charts CZNC vs HTBKBanner chart's image
Citizens & Northern
Price$23.49
Change-$0.03 (-0.13%)
Volume$81.57K
Capitalization419.74M
Heritage Commerce
Price$13.70
Change+$0.29 (+2.16%)
Volume$988.97K
Capitalization840.75M
CZNC vs HTBK Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
HTBK
Daily Signal:
Gain/Loss:
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CZNC vs. HTBK commentary
Feb 08, 2026

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 CZNC is a StrongBuy and HTBK is a StrongBuy.

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COMPARISON
Comparison
Feb 08, 2026
Stock price -- (CZNC: $23.49 vs. HTBK: $13.70)
Brand notoriety: CZNC and HTBK are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 128% vs. HTBK: 103%
Market capitalization -- CZNC: $419.74M vs. HTBK: $840.75M
CZNC [@Regional Banks] is valued at $419.74M. HTBK’s [@Regional Banks] market capitalization is $840.75M. The market cap for tickers in the [@Regional Banks] industry ranges from $160.35B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

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).

CZNC’s FA Score shows that 1 FA rating(s) are green whileHTBK’s FA Score has 0 green FA rating(s).

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

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.

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

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

Price Growth

CZNC (@Regional Banks) experienced а +4.49% price change this week, while HTBK (@Regional Banks) price change was +8.67% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.80%. For the same industry, the average monthly price growth was +6.64%, and the average quarterly price growth was +19.72%.

Reported Earning Dates

CZNC is expected to report earnings on Apr 16, 2026.

HTBK is expected to report earnings on Apr 23, 2026.

Industries' Descriptions

@Regional Banks (+2.80% 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
HTBK($841M) has a higher market cap than CZNC($420M). HTBK has higher P/E ratio than CZNC: HTBK (17.56) vs CZNC (16.13). CZNC YTD gains are higher at: 17.911 vs. HTBK (15.186). HTBK has less debt than CZNC: HTBK (39.8M) vs CZNC (173M). HTBK has higher revenues than CZNC: HTBK (190M) vs CZNC (112M).
CZNCHTBKCZNC / HTBK
Capitalization420M841M50%
EBITDAN/AN/A-
Gain YTD17.91115.186118%
P/E Ratio16.1317.5692%
Revenue112M190M59%
Total CashN/A42.4M-
Total Debt173M39.8M435%
FUNDAMENTALS RATINGS
CZNC vs HTBK: Fundamental Ratings
CZNC
HTBK
OUTLOOK RATING
1..100
816
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
70
Overvalued
PROFIT vs RISK RATING
1..100
5150
SMR RATING
1..100
4735
PRICE GROWTH RATING
1..100
4240
P/E GROWTH RATING
1..100
2838
SEASONALITY SCORE
1..100
5065

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 (70) in the Regional Banks industry is in the same range as CZNC (77). This means that HTBK’s stock grew similarly to CZNC’s over the last 12 months.

HTBK's Profit vs Risk Rating (50) in the Regional Banks industry is in the same range as CZNC (51). This means that HTBK’s stock grew similarly to CZNC’s over the last 12 months.

HTBK's SMR Rating (35) in the Regional Banks industry is in the same range as CZNC (47). This means that HTBK’s stock grew similarly to CZNC’s over the last 12 months.

HTBK's Price Growth Rating (40) in the Regional Banks industry is in the same range as CZNC (42). This means that HTBK’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's P/E Growth Rating (28) in the Regional Banks industry is in the same range as HTBK (38). This means that CZNC’s stock grew similarly to HTBK’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCHTBK
RSI
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
56%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
49%
Momentum
ODDS (%)
Bullish Trend 2 days ago
48%
Bullish Trend 2 days ago
63%
MACD
ODDS (%)
Bullish Trend 2 days ago
46%
Bullish Trend 2 days ago
77%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 2 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
46%
Bullish Trend 2 days ago
56%
Advances
ODDS (%)
Bullish Trend 4 days ago
47%
Bullish Trend 2 days ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 11 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
62%
Aroon
ODDS (%)
Bullish Trend 2 days ago
45%
Bullish Trend 2 days ago
43%
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CZNC
Daily Signal:
Gain/Loss:
HTBK
Daily Signal:
Gain/Loss:
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CZNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZNC has been closely correlated with BFST. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then BFST could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
-0.13%
BFST - CZNC
81%
Closely correlated
+0.47%
HTBK - CZNC
80%
Closely correlated
+2.16%
TRST - CZNC
79%
Closely correlated
-0.32%
FSBC - CZNC
79%
Closely correlated
+0.63%
SMBC - CZNC
79%
Closely correlated
-0.06%
More

HTBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, HTBK has been closely correlated with MOFG. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTBK jumps, then MOFG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
+2.16%
MOFG - HTBK
92%
Closely correlated
+1.32%
TRST - HTBK
92%
Closely correlated
-0.32%
WSFS - HTBK
90%
Closely correlated
+0.66%
CAC - HTBK
90%
Closely correlated
+0.26%
AROW - HTBK
90%
Closely correlated
+0.75%
More