HTBK
Price
$13.44
Change
+$0.28 (+2.13%)
Updated
Feb 4 closing price
Capitalization
824.8M
77 days until earnings call
Intraday BUY SELL Signals
IFS
Price
$49.70
Change
-$0.91 (-1.80%)
Updated
Feb 4 closing price
Capitalization
5.73B
6 days until earnings call
Intraday BUY SELL Signals
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HTBK vs IFS

Header iconHTBK vs IFS Comparison
Open Charts HTBK vs IFSBanner chart's image
Heritage Commerce
Price$13.44
Change+$0.28 (+2.13%)
Volume$843.64K
Capitalization824.8M
Intercorp Financial Services
Price$49.70
Change-$0.91 (-1.80%)
Volume$281.3K
Capitalization5.73B
HTBK vs IFS Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
IFS
Daily Signal:
Gain/Loss:
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VS
HTBK vs. IFS commentary
Feb 05, 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 HTBK is a Hold and IFS is a Buy.

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COMPARISON
Comparison
Feb 05, 2026
Stock price -- (HTBK: $13.44 vs. IFS: $49.70)
Brand notoriety: HTBK and IFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 90% vs. IFS: 137%
Market capitalization -- HTBK: $824.8M vs. IFS: $5.73B
HTBK [@Regional Banks] is valued at $824.8M. IFS’s [@Regional Banks] market capitalization is $5.73B. The market cap for tickers in the [@Regional Banks] industry ranges from $162.2B to $0. The average market capitalization across the [@Regional Banks] industry is $9.38B.

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 whileIFS’s FA Score has 3 green FA rating(s).

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

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 4 TA indicator(s) are bullish while IFS’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

HTBK (@Regional Banks) experienced а +7.09% price change this week, while IFS (@Regional Banks) price change was +1.35% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.20%. For the same industry, the average monthly price growth was +5.90%, and the average quarterly price growth was +19.16%.

Reported Earning Dates

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

IFS is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Regional Banks (+3.20% 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
IFS($5.73B) has a higher market cap than HTBK($825M). HTBK has higher P/E ratio than IFS: HTBK (17.23) vs IFS (9.87). IFS YTD gains are higher at: 17.328 vs. HTBK (11.907). HTBK has less debt than IFS: HTBK (39.8M) vs IFS (12B). IFS has higher revenues than HTBK: IFS (6.94B) vs HTBK (190M).
HTBKIFSHTBK / IFS
Capitalization825M5.73B14%
EBITDAN/AN/A-
Gain YTD11.90717.32869%
P/E Ratio17.239.87175%
Revenue190M6.94B3%
Total Cash55.4MN/A-
Total Debt39.8M12B0%
FUNDAMENTALS RATINGS
HTBK vs IFS: Fundamental Ratings
HTBK
IFS
OUTLOOK RATING
1..100
8377
VALUATION
overvalued / fair valued / undervalued
1..100
69
Overvalued
32
Undervalued
PROFIT vs RISK RATING
1..100
5228
SMR RATING
1..100
367
PRICE GROWTH RATING
1..100
4240
P/E GROWTH RATING
1..100
3573
SEASONALITY SCORE
1..100
65n/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.

IFS's Valuation (32) in the null industry is somewhat better than the same rating for HTBK (69) in the Regional Banks industry. This means that IFS’s stock grew somewhat faster than HTBK’s over the last 12 months.

IFS's Profit vs Risk Rating (28) in the null industry is in the same range as HTBK (52) in the Regional Banks industry. This means that IFS’s stock grew similarly to HTBK’s over the last 12 months.

IFS's SMR Rating (7) in the null industry is in the same range as HTBK (36) in the Regional Banks industry. This means that IFS’s stock grew similarly to HTBK’s over the last 12 months.

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

HTBK's P/E Growth Rating (35) in the Regional Banks industry is somewhat better than the same rating for IFS (73) in the null industry. This means that HTBK’s stock grew somewhat faster than IFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKIFS
RSI
ODDS (%)
Bearish Trend 1 day ago
75%
Bearish Trend 1 day ago
58%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
67%
Bearish Trend 1 day ago
58%
Momentum
ODDS (%)
Bearish Trend 1 day ago
57%
Bullish Trend 1 day ago
69%
MACD
ODDS (%)
Bullish Trend 1 day ago
64%
N/A
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
69%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
56%
Bullish Trend 1 day ago
70%
Advances
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 10 days ago
71%
Declines
ODDS (%)
Bearish Trend 9 days ago
58%
Bearish Trend 1 day ago
63%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
57%
Aroon
ODDS (%)
Bullish Trend 1 day ago
45%
Bullish Trend 1 day ago
65%
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HTBK
Daily Signal:
Gain/Loss:
IFS
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 CAC. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTBK jumps, then CAC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTBK
1D Price
Change %
HTBK100%
+2.13%
CAC - HTBK
90%
Closely correlated
+2.48%
PKBK - HTBK
88%
Closely correlated
+0.28%
BY - HTBK
88%
Closely correlated
+1.29%
UVSP - HTBK
87%
Closely correlated
+0.34%
FISI - HTBK
86%
Closely correlated
+1.49%
More

IFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, IFS has been closely correlated with BAP. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if IFS jumps, then BAP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IFS
1D Price
Change %
IFS100%
-1.80%
BAP - IFS
80%
Closely correlated
-3.10%
BCH - IFS
74%
Closely correlated
-2.11%
BLFY - IFS
67%
Closely correlated
+2.69%
PKBK - IFS
65%
Loosely correlated
+0.28%
HTBK - IFS
64%
Loosely correlated
+2.13%
More