HTBK
Price
$12.56
Change
+$0.07 (+0.56%)
Updated
Dec 24 closing price
Capitalization
770.34M
27 days until earnings call
Intraday BUY SELL Signals
TRCY
Price
$20.70
Change
-$0.05 (-0.24%)
Updated
Dec 24 closing price
Capitalization
184.33M
Intraday BUY SELL Signals
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HTBK vs TRCY

Header iconHTBK vs TRCY Comparison
Open Charts HTBK vs TRCYBanner chart's image
Heritage Commerce
Price$12.56
Change+$0.07 (+0.56%)
Volume$482.58K
Capitalization770.34M
Tri City Bankshares
Price$20.70
Change-$0.05 (-0.24%)
Volume$1.15K
Capitalization184.33M
HTBK vs TRCY Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
TRCY
Daily Signal:
Gain/Loss:
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VS
HTBK vs. TRCY commentary
Dec 26, 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 Buy and TRCY is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (HTBK: $12.56 vs. TRCY: $20.70)
Brand notoriety: HTBK and TRCY are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 68% vs. TRCY: 8%
Market capitalization -- HTBK: $770.34M vs. TRCY: $184.33M
HTBK [@Regional Banks] is valued at $770.34M. TRCY’s [@Regional Banks] market capitalization is $184.33M. 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).

HTBK’s FA Score shows that 1 FA rating(s) are green whileTRCY’s FA Score has 2 green FA rating(s).

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

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 TRCY’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

HTBK (@Regional Banks) experienced а +2.87% price change this week, while TRCY (@Regional Banks) price change was -3.94% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.01% 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($770M) has a higher market cap than TRCY($184M). TRCY YTD gains are higher at: 55.121 vs. HTBK (41.233). TRCY has more cash in the bank: 89.6M vs. HTBK (55.4M). HTBK has less debt than TRCY: HTBK (39.8M) vs TRCY (162M). HTBK has higher revenues than TRCY: HTBK (190M) vs TRCY (68.3M).
HTBKTRCYHTBK / TRCY
Capitalization770M184M418%
EBITDAN/AN/A-
Gain YTD41.23355.12175%
P/E Ratio17.94N/A-
Revenue190M68.3M278%
Total Cash55.4M89.6M62%
Total Debt39.8M162M25%
FUNDAMENTALS RATINGS
HTBK vs TRCY: Fundamental Ratings
HTBK
TRCY
OUTLOOK RATING
1..100
4150
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
21
Undervalued
PROFIT vs RISK RATING
1..100
5058
SMR RATING
1..100
366
PRICE GROWTH RATING
1..100
4039
P/E GROWTH RATING
1..100
2081
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.

TRCY's Valuation (21) in the null industry is somewhat better than the same rating for HTBK (70) in the Regional Banks industry. This means that TRCY’s stock grew somewhat faster than HTBK’s over the last 12 months.

HTBK's Profit vs Risk Rating (50) in the Regional Banks industry is in the same range as TRCY (58) in the null industry. This means that HTBK’s stock grew similarly to TRCY’s over the last 12 months.

TRCY's SMR Rating (6) in the null industry is in the same range as HTBK (36) in the Regional Banks industry. This means that TRCY’s stock grew similarly to HTBK’s over the last 12 months.

TRCY's Price Growth Rating (39) in the null industry is in the same range as HTBK (40) in the Regional Banks industry. This means that TRCY’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's P/E Growth Rating (20) in the Regional Banks industry is somewhat better than the same rating for TRCY (81) in the null industry. This means that HTBK’s stock grew somewhat faster than TRCY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKTRCY
RSI
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 3 days ago
21%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
43%
Momentum
ODDS (%)
Bullish Trend 3 days ago
54%
Bullish Trend 4 days ago
20%
MACD
ODDS (%)
Bullish Trend 3 days ago
50%
Bearish Trend 3 days ago
42%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
59%
Bearish Trend 3 days ago
53%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
33%
Advances
ODDS (%)
Bullish Trend 9 days ago
57%
Bullish Trend 9 days ago
38%
Declines
ODDS (%)
Bearish Trend 29 days ago
58%
Bearish Trend 3 days ago
49%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
29%
Aroon
ODDS (%)
Bullish Trend 3 days ago
50%
Bullish Trend 3 days ago
41%
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HTBK
Daily Signal:
Gain/Loss:
TRCY
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%
+0.56%
HOMB - HTBK
85%
Closely correlated
+0.46%
FISI - HTBK
83%
Closely correlated
+0.16%
GBCI - HTBK
82%
Closely correlated
+0.33%
UVSP - HTBK
81%
Closely correlated
+0.09%
BFST - HTBK
80%
Closely correlated
-0.30%
More

TRCY and

Correlation & Price change

A.I.dvisor indicates that over the last year, TRCY has been loosely correlated with PSBQ. These tickers have moved in lockstep 33% of the time. This A.I.-generated data suggests there is some statistical probability that if TRCY jumps, then PSBQ could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TRCY
1D Price
Change %
TRCY100%
-0.24%
PSBQ - TRCY
33%
Loosely correlated
N/A
HTBK - TRCY
30%
Poorly correlated
+0.56%
FFIN - TRCY
30%
Poorly correlated
-0.32%
SFNC - TRCY
30%
Poorly correlated
-0.10%
FBNC - TRCY
29%
Poorly correlated
-0.31%
More