HFBL
Price
$13.72
Change
+$0.48 (+3.63%)
Updated
Jul 25, 04:58 PM (EDT)
Capitalization
40.43M
MCBI
Price
$20.43
Change
+$0.43 (+2.15%)
Updated
Jul 24 closing price
Capitalization
104.33M
92 days until earnings call
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HFBL vs MCBI

Header iconHFBL vs MCBI Comparison
Open Charts HFBL vs MCBIBanner chart's image
Home Federal Ban
Price$13.72
Change+$0.48 (+3.63%)
VolumeN/A
Capitalization40.43M
Mountain Commerce Ban
Price$20.43
Change+$0.43 (+2.15%)
Volume$100
Capitalization104.33M
HFBL vs MCBI Comparison Chart in %
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HFBL
Daily Signalchanged days ago
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MCBI
Daily Signalchanged days ago
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HFBL vs. MCBI commentary
Jul 28, 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 HFBL is a Hold and MCBI is a StrongBuy.

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COMPARISON
Comparison
Jul 28, 2025
Stock price -- (HFBL: $13.24 vs. MCBI: $20.43)
Brand notoriety: HFBL and MCBI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HFBL: 23% vs. MCBI: 2%
Market capitalization -- HFBL: $40.43M vs. MCBI: $104.33M
HFBL [@Regional Banks] is valued at $40.43M. MCBI’s [@Regional Banks] market capitalization is $104.33M. 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 $6.03B.

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).

HFBL’s FA Score shows that 2 FA rating(s) are green whileMCBI’s FA Score has 0 green FA rating(s).

  • HFBL’s FA Score: 2 green, 3 red.
  • MCBI’s FA Score: 0 green, 5 red.
According to our system of comparison, HFBL is a better buy in the long-term than MCBI.

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.

HFBL’s TA Score shows that 3 TA indicator(s) are bullish while MCBI’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

HFBL (@Regional Banks) experienced а -2.07% price change this week, while MCBI (@Regional Banks) price change was +2.51% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.51%. For the same industry, the average monthly price growth was +4.61%, and the average quarterly price growth was +10.19%.

Reported Earning Dates

MCBI is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (+0.51% 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
MCBI($104M) has a higher market cap than HFBL($40.4M). HFBL has higher P/E ratio than MCBI: HFBL (8.34) vs MCBI (7.35). HFBL YTD gains are higher at: 7.619 vs. MCBI (-4.516). MCBI has more cash in the bank: 14.4M vs. HFBL (7.57M). HFBL has less debt than MCBI: HFBL (15M) vs MCBI (185M). MCBI has higher revenues than HFBL: MCBI (46.9M) vs HFBL (22.5M).
HFBLMCBIHFBL / MCBI
Capitalization40.4M104M39%
EBITDAN/AN/A-
Gain YTD7.619-4.516-169%
P/E Ratio8.347.35114%
Revenue22.5M46.9M48%
Total Cash7.57M14.4M53%
Total Debt15M185M8%
FUNDAMENTALS RATINGS
HFBL vs MCBI: Fundamental Ratings
HFBL
MCBI
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
23
Undervalued
52
Fair valued
PROFIT vs RISK RATING
1..100
7668
SMR RATING
1..100
6969
PRICE GROWTH RATING
1..100
5555
P/E GROWTH RATING
1..100
1951
SEASONALITY SCORE
1..100
5075

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.

HFBL's Valuation (23) in the Savings Banks industry is in the same range as MCBI (52) in the null industry. This means that HFBL’s stock grew similarly to MCBI’s over the last 12 months.

MCBI's Profit vs Risk Rating (68) in the null industry is in the same range as HFBL (76) in the Savings Banks industry. This means that MCBI’s stock grew similarly to HFBL’s over the last 12 months.

MCBI's SMR Rating (69) in the null industry is in the same range as HFBL (69) in the Savings Banks industry. This means that MCBI’s stock grew similarly to HFBL’s over the last 12 months.

MCBI's Price Growth Rating (55) in the null industry is in the same range as HFBL (55) in the Savings Banks industry. This means that MCBI’s stock grew similarly to HFBL’s over the last 12 months.

HFBL's P/E Growth Rating (19) in the Savings Banks industry is in the same range as MCBI (51) in the null industry. This means that HFBL’s stock grew similarly to MCBI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HFBLMCBI
RSI
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 3 days ago
19%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
69%
Bearish Trend 3 days ago
28%
Momentum
ODDS (%)
Bearish Trend 3 days ago
54%
Bullish Trend 3 days ago
30%
MACD
ODDS (%)
Bearish Trend 3 days ago
44%
Bullish Trend 3 days ago
32%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
46%
Bullish Trend 3 days ago
37%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
68%
Bullish Trend 3 days ago
35%
Advances
ODDS (%)
Bullish Trend 21 days ago
60%
Bullish Trend 4 days ago
47%
Declines
ODDS (%)
N/A
N/A
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
78%
Bearish Trend 3 days ago
21%
Aroon
ODDS (%)
N/A
Bullish Trend 3 days ago
40%
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HFBL
Daily Signalchanged days ago
Gain/Loss if bought
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MCBI
Daily Signalchanged days ago
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HFBL and

Correlation & Price change

A.I.dvisor tells us that HFBL and KEY have been poorly correlated (+27% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that HFBL and KEY's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HFBL
1D Price
Change %
HFBL100%
N/A
KEY - HFBL
27%
Poorly correlated
+0.38%
WSFS - HFBL
27%
Poorly correlated
-0.44%
BANC - HFBL
27%
Poorly correlated
+3.56%
RF - HFBL
26%
Poorly correlated
+0.46%
TFC - HFBL
25%
Poorly correlated
+0.36%
More

MCBI and

Correlation & Price change

A.I.dvisor tells us that MCBI and BOTJ have been poorly correlated (+25% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that MCBI and BOTJ's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MCBI
1D Price
Change %
MCBI100%
N/A
BOTJ - MCBI
25%
Poorly correlated
-0.97%
OPBK - MCBI
25%
Poorly correlated
+1.36%
CKHGY - MCBI
24%
Poorly correlated
+0.40%
HFBL - MCBI
24%
Poorly correlated
N/A
FITB - MCBI
23%
Poorly correlated
+0.35%
More