HTBK
Price
$10.56
Change
-$0.15 (-1.40%)
Updated
Nov 13 closing price
Capitalization
646.85M
69 days until earnings call
Intraday BUY SELL Signals
IBCP
Price
$31.07
Change
-$0.04 (-0.13%)
Updated
Nov 13 closing price
Capitalization
642.69M
69 days until earnings call
Intraday BUY SELL Signals
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HTBK vs IBCP

Header iconHTBK vs IBCP Comparison
Open Charts HTBK vs IBCPBanner chart's image
Heritage Commerce
Price$10.56
Change-$0.15 (-1.40%)
Volume$240.84K
Capitalization646.85M
Independent Bank
Price$31.07
Change-$0.04 (-0.13%)
Volume$115.12K
Capitalization642.69M
HTBK vs IBCP Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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VS
HTBK vs. IBCP commentary
Nov 14, 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 HTBK is a StrongBuy and IBCP is a StrongBuy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (HTBK: $10.56 vs. IBCP: $31.07)
Brand notoriety: HTBK and IBCP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 68% vs. IBCP: 102%
Market capitalization -- HTBK: $646.85M vs. IBCP: $642.69M
HTBK [@Regional Banks] is valued at $646.85M. IBCP’s [@Regional Banks] market capitalization is $642.69M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.25B to $0. The average market capitalization across the [@Regional Banks] industry is $8.19B.

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).

HTBK’s FA Score shows that 0 FA rating(s) are green whileIBCP’s FA Score has 3 green FA rating(s).

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

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.

HTBK’s TA Score shows that 7 TA indicator(s) are bullish while IBCP’s TA Score has 5 bullish TA indicator(s).

  • HTBK’s TA Score: 7 bullish, 3 bearish.
  • IBCP’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, HTBK is a better buy in the short-term than IBCP.

Price Growth

HTBK (@Regional Banks) experienced а +0.86% price change this week, while IBCP (@Regional Banks) price change was +1.80% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.09%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+1.09% 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($647M) and IBCP($643M) have the same market capitalization . HTBK has higher P/E ratio than IBCP: HTBK (15.08) vs IBCP (9.56). HTBK YTD gains are higher at: 20.430 vs. IBCP (-7.698). IBCP has more cash in the bank: 74.4M vs. HTBK (55.4M). HTBK has less debt than IBCP: HTBK (39.7M) vs IBCP (181M). IBCP has higher revenues than HTBK: IBCP (216M) vs HTBK (190M).
HTBKIBCPHTBK / IBCP
Capitalization647M643M101%
EBITDAN/AN/A-
Gain YTD20.430-7.698-265%
P/E Ratio15.089.56158%
Revenue190M216M88%
Total Cash55.4M74.4M74%
Total Debt39.7M181M22%
FUNDAMENTALS RATINGS
HTBK vs IBCP: Fundamental Ratings
HTBK
IBCP
OUTLOOK RATING
1..100
189
VALUATION
overvalued / fair valued / undervalued
1..100
55
Fair valued
30
Undervalued
PROFIT vs RISK RATING
1..100
5224
SMR RATING
1..100
3528
PRICE GROWTH RATING
1..100
4559
P/E GROWTH RATING
1..100
4178
SEASONALITY SCORE
1..100
n/a50

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.

IBCP's Valuation (30) in the Regional Banks industry is in the same range as HTBK (55). This means that IBCP’s stock grew similarly to HTBK’s over the last 12 months.

IBCP's Profit vs Risk Rating (24) in the Regional Banks industry is in the same range as HTBK (52). This means that IBCP’s stock grew similarly to HTBK’s over the last 12 months.

IBCP's SMR Rating (28) in the Regional Banks industry is in the same range as HTBK (35). This means that IBCP’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's Price Growth Rating (45) in the Regional Banks industry is in the same range as IBCP (59). This means that HTBK’s stock grew similarly to IBCP’s over the last 12 months.

HTBK's P/E Growth Rating (41) in the Regional Banks industry is somewhat better than the same rating for IBCP (78). This means that HTBK’s stock grew somewhat faster than IBCP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKIBCP
RSI
ODDS (%)
Bullish Trend 3 days ago
55%
N/A
Stochastic
ODDS (%)
Bearish Trend 3 days ago
56%
Bearish Trend 3 days ago
56%
Momentum
ODDS (%)
Bullish Trend 3 days ago
52%
Bullish Trend 3 days ago
58%
MACD
ODDS (%)
Bullish Trend 3 days ago
64%
Bullish Trend 3 days ago
64%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
53%
Bullish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 5 days ago
56%
Bullish Trend 5 days ago
60%
Declines
ODDS (%)
Bearish Trend 23 days ago
57%
Bearish Trend 18 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
63%
Bullish Trend 3 days ago
68%
Aroon
ODDS (%)
Bearish Trend 3 days ago
55%
Bullish Trend 3 days ago
59%
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HTBK
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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HTBK and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
-0.28%
HOMB - HTBK
85%
Closely correlated
-0.80%
UVSP - HTBK
84%
Closely correlated
+0.59%
BY - HTBK
83%
Closely correlated
+0.11%
IBCP - HTBK
83%
Closely correlated
+0.03%
PEBO - HTBK
82%
Closely correlated
+1.44%
More

IBCP and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
+0.03%
UVSP - IBCP
89%
Closely correlated
+0.59%
BY - IBCP
89%
Closely correlated
+0.11%
PEBO - IBCP
88%
Closely correlated
+1.44%
FMBH - IBCP
87%
Closely correlated
+1.18%
TRMK - IBCP
87%
Closely correlated
-1.30%
More