HBT
Price
$26.12
Change
-$0.07 (-0.27%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
823.2M
33 days until earnings call
Intraday BUY SELL Signals
MCBS
Price
$26.84
Change
-$0.23 (-0.85%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
780.11M
31 days until earnings call
Intraday BUY SELL Signals
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HBT vs MCBS

Header iconHBT vs MCBS Comparison
Open Charts HBT vs MCBSBanner chart's image
HBT Financial
Price$26.12
Change-$0.07 (-0.27%)
Volume$732
Capitalization823.2M
MetroCity Bankshares
Price$26.84
Change-$0.23 (-0.85%)
Volume$500
Capitalization780.11M
HBT vs MCBS Comparison Chart in %
HBT
Daily Signal:
Gain/Loss:
MCBS
Daily Signal:
Gain/Loss:
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HBT vs. MCBS commentary
Dec 27, 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 HBT is a Buy and MCBS is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (HBT: $26.19 vs. MCBS: $27.07)
Brand notoriety: HBT and MCBS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HBT: 74% vs. MCBS: 35%
Market capitalization -- HBT: $823.2M vs. MCBS: $780.11M
HBT [@Regional Banks] is valued at $823.2M. MCBS’s [@Regional Banks] market capitalization is $780.11M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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).

HBT’s FA Score shows that 2 FA rating(s) are green whileMCBS’s FA Score has 1 green FA rating(s).

  • HBT’s FA Score: 2 green, 3 red.
  • MCBS’s FA Score: 1 green, 4 red.
According to our system of comparison, HBT is a better buy in the long-term than MCBS.

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.

HBT’s TA Score shows that 6 TA indicator(s) are bullish while MCBS’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

HBT (@Regional Banks) experienced а -2.93% price change this week, while MCBS (@Regional Banks) price change was -5.18% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.38%. For the same industry, the average monthly price growth was +3.90%, and the average quarterly price growth was +15.50%.

Reported Earning Dates

HBT is expected to report earnings on Jan 28, 2026.

MCBS is expected to report earnings on Jan 26, 2026.

Industries' Descriptions

@Regional Banks (-0.38% 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
HBT($823M) has a higher market cap than MCBS($780M). HBT (10.56) and MCBS (10.45) have similar P/E ratio . HBT YTD gains are higher at: 23.837 vs. MCBS (-12.371). MCBS has more cash in the bank: 279M vs. HBT (25.6M). HBT has less debt than MCBS: HBT (60.2M) vs MCBS (433M). HBT has higher revenues than MCBS: HBT (234M) vs MCBS (146M).
HBTMCBSHBT / MCBS
Capitalization823M780M106%
EBITDAN/AN/A-
Gain YTD23.837-12.371-193%
P/E Ratio10.5610.45101%
Revenue234M146M160%
Total Cash25.6M279M9%
Total Debt60.2M433M14%
FUNDAMENTALS RATINGS
HBT vs MCBS: Fundamental Ratings
HBT
MCBS
OUTLOOK RATING
1..100
1914
VALUATION
overvalued / fair valued / undervalued
1..100
54
Fair valued
53
Fair valued
PROFIT vs RISK RATING
1..100
1540
SMR RATING
1..100
2633
PRICE GROWTH RATING
1..100
4859
P/E GROWTH RATING
1..100
4380
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.

MCBS's Valuation (53) in the null industry is in the same range as HBT (54). This means that MCBS’s stock grew similarly to HBT’s over the last 12 months.

HBT's Profit vs Risk Rating (15) in the null industry is in the same range as MCBS (40). This means that HBT’s stock grew similarly to MCBS’s over the last 12 months.

HBT's SMR Rating (26) in the null industry is in the same range as MCBS (33). This means that HBT’s stock grew similarly to MCBS’s over the last 12 months.

HBT's Price Growth Rating (48) in the null industry is in the same range as MCBS (59). This means that HBT’s stock grew similarly to MCBS’s over the last 12 months.

HBT's P/E Growth Rating (43) in the null industry is somewhat better than the same rating for MCBS (80). This means that HBT’s stock grew somewhat faster than MCBS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HBTMCBS
RSI
ODDS (%)
Bearish Trend 3 days ago
78%
Bearish Trend 3 days ago
78%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
61%
Bullish Trend 3 days ago
76%
Momentum
ODDS (%)
Bullish Trend 3 days ago
60%
Bearish Trend 3 days ago
59%
MACD
ODDS (%)
Bullish Trend 3 days ago
50%
Bearish Trend 3 days ago
62%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
62%
Bearish Trend 3 days ago
63%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
69%
Advances
ODDS (%)
Bullish Trend 9 days ago
62%
Bullish Trend 12 days ago
67%
Declines
ODDS (%)
Bearish Trend 4 days ago
62%
Bearish Trend 4 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
68%
Bearish Trend 3 days ago
75%
Aroon
ODDS (%)
Bullish Trend 3 days ago
50%
Bullish Trend 3 days ago
64%
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HBT
Daily Signal:
Gain/Loss:
MCBS
Daily Signal:
Gain/Loss:
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HBT and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBT has been closely correlated with MCBS. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBT jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBT
1D Price
Change %
HBT100%
N/A
MCBS - HBT
86%
Closely correlated
+0.11%
FCBC - HBT
82%
Closely correlated
-0.15%
FMBH - HBT
82%
Closely correlated
-0.72%
CTBI - HBT
81%
Closely correlated
+0.10%
PEBO - HBT
81%
Closely correlated
-0.26%
More

MCBS and

Correlation & Price change

A.I.dvisor indicates that over the last year, MCBS has been closely correlated with FCBC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCBS jumps, then FCBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MCBS
1D Price
Change %
MCBS100%
+0.11%
FCBC - MCBS
85%
Closely correlated
-0.15%
FMBH - MCBS
84%
Closely correlated
-0.72%
CTBI - MCBS
84%
Closely correlated
+0.10%
PFIS - MCBS
82%
Closely correlated
+0.60%
HBT - MCBS
82%
Closely correlated
N/A
More