FNLC
Price
$26.14
Change
+$0.81 (+3.20%)
Updated
Dec 3 closing price
Capitalization
293.55M
Intraday BUY SELL Signals
HFWA
Price
$24.08
Change
+$0.14 (+0.58%)
Updated
Dec 3 closing price
Capitalization
817.68M
49 days until earnings call
Intraday BUY SELL Signals
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FNLC vs HFWA

Header iconFNLC vs HFWA Comparison
Open Charts FNLC vs HFWABanner chart's image
First Ban
Price$26.14
Change+$0.81 (+3.20%)
Volume$19.11K
Capitalization293.55M
Heritage Financial
Price$24.08
Change+$0.14 (+0.58%)
Volume$149.94K
Capitalization817.68M
FNLC vs HFWA Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
HFWA
Daily Signal:
Gain/Loss:
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FNLC vs. HFWA commentary
Dec 04, 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 FNLC is a StrongBuy and HFWA is a StrongBuy.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (FNLC: $25.33 vs. HFWA: $23.94)
Brand notoriety: FNLC and HFWA are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 17% vs. HFWA: 30%
Market capitalization -- FNLC: $293.55M vs. HFWA: $816.66M
FNLC [@Regional Banks] is valued at $293.55M. HFWA’s [@Regional Banks] market capitalization is $816.66M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.16B to $0. The average market capitalization across the [@Regional Banks] industry is $8.26B.

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).

FNLC’s FA Score shows that 1 FA rating(s) are green whileHFWA’s FA Score has 1 green FA rating(s).

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

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.

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

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

Price Growth

FNLC (@Regional Banks) experienced а -2.24% price change this week, while HFWA (@Regional Banks) price change was -2.17% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.92%. For the same industry, the average monthly price growth was +4.06%, and the average quarterly price growth was +13.89%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.92% 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
HFWA($818M) has a higher market cap than FNLC($294M). HFWA has higher P/E ratio than FNLC: HFWA (14.59) vs FNLC (9.31). HFWA YTD gains are higher at: 1.805 vs. FNLC (-2.009). HFWA has more cash in the bank: 90.8M vs. FNLC (27.4M). FNLC has less debt than HFWA: FNLC (196M) vs HFWA (285M). HFWA has higher revenues than FNLC: HFWA (226M) vs FNLC (86.8M).
FNLCHFWAFNLC / HFWA
Capitalization294M818M36%
EBITDAN/AN/A-
Gain YTD-2.0091.805-111%
P/E Ratio9.3114.5964%
Revenue86.8M226M38%
Total Cash27.4M90.8M30%
Total Debt196M285M69%
FUNDAMENTALS RATINGS
FNLC vs HFWA: Fundamental Ratings
FNLC
HFWA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
19
Undervalued
43
Fair valued
PROFIT vs RISK RATING
1..100
5071
SMR RATING
1..100
4632
PRICE GROWTH RATING
1..100
5453
P/E GROWTH RATING
1..100
7288
SEASONALITY SCORE
1..100
50n/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.

FNLC's Valuation (19) in the Regional Banks industry is in the same range as HFWA (43). This means that FNLC’s stock grew similarly to HFWA’s over the last 12 months.

FNLC's Profit vs Risk Rating (50) in the Regional Banks industry is in the same range as HFWA (71). This means that FNLC’s stock grew similarly to HFWA’s over the last 12 months.

HFWA's SMR Rating (32) in the Regional Banks industry is in the same range as FNLC (46). This means that HFWA’s stock grew similarly to FNLC’s over the last 12 months.

HFWA's Price Growth Rating (53) in the Regional Banks industry is in the same range as FNLC (54). This means that HFWA’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's P/E Growth Rating (72) in the Regional Banks industry is in the same range as HFWA (88). This means that FNLC’s stock grew similarly to HFWA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCHFWA
RSI
ODDS (%)
N/A
Bearish Trend 7 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 7 days ago
53%
Bearish Trend 7 days ago
64%
Momentum
ODDS (%)
Bearish Trend 7 days ago
49%
Bullish Trend 7 days ago
67%
MACD
ODDS (%)
Bullish Trend 7 days ago
70%
Bullish Trend 7 days ago
64%
TrendWeek
ODDS (%)
Bullish Trend 7 days ago
52%
Bullish Trend 7 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 7 days ago
53%
Bullish Trend 7 days ago
56%
Advances
ODDS (%)
Bullish Trend 21 days ago
53%
Bullish Trend 10 days ago
63%
Declines
ODDS (%)
Bearish Trend 7 days ago
52%
Bearish Trend 7 days ago
61%
BollingerBands
ODDS (%)
N/A
Bearish Trend 7 days ago
61%
Aroon
ODDS (%)
Bullish Trend 7 days ago
46%
Bearish Trend 7 days ago
64%
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FNLC
Daily Signal:
Gain/Loss:
HFWA
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with KRNY. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then KRNY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
-0.71%
KRNY - FNLC
75%
Closely correlated
+1.01%
HFWA - FNLC
74%
Closely correlated
-0.46%
FCBC - FNLC
74%
Closely correlated
+0.38%
CTBI - FNLC
73%
Closely correlated
-0.31%
RBCAA - FNLC
73%
Closely correlated
-1.07%
More

HFWA and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HFWA
1D Price
Change %
HFWA100%
-0.46%
STBA - HFWA
88%
Closely correlated
-0.03%
CVBF - HFWA
88%
Closely correlated
+0.03%
HOPE - HFWA
87%
Closely correlated
-0.42%
TCBK - HFWA
86%
Closely correlated
+0.56%
FCF - HFWA
86%
Closely correlated
+0.61%
More