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
UVSP
Price
$33.57
Change
+$0.03 (+0.09%)
Updated
Dec 24 closing price
Capitalization
955.93M
33 days until earnings call
Intraday BUY SELL Signals
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HTBK vs UVSP

Header iconHTBK vs UVSP Comparison
Open Charts HTBK vs UVSPBanner chart's image
Heritage Commerce
Price$12.56
Change+$0.07 (+0.56%)
Volume$482.58K
Capitalization770.34M
Univest Financial
Price$33.57
Change+$0.03 (+0.09%)
Volume$91.6K
Capitalization955.93M
HTBK vs UVSP Comparison Chart in %
HTBK
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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VS
HTBK vs. UVSP 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 UVSP is a Buy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (HTBK: $12.56 vs. UVSP: $33.57)
Brand notoriety: HTBK and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: HTBK: 68% vs. UVSP: 66%
Market capitalization -- HTBK: $770.34M vs. UVSP: $955.93M
HTBK [@Regional Banks] is valued at $770.34M. UVSP’s [@Regional Banks] market capitalization is $955.93M. 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 whileUVSP’s FA Score has 1 green FA rating(s).

  • HTBK’s FA Score: 1 green, 4 red.
  • UVSP’s FA Score: 1 green, 4 red.
According to our system of comparison, UVSP 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 UVSP’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

HTBK (@Regional Banks) experienced а +2.87% price change this week, while UVSP (@Regional Banks) price change was -2.16% 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.

UVSP is expected to report earnings on Jan 28, 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
UVSP($956M) has a higher market cap than HTBK($770M). HTBK has higher P/E ratio than UVSP: HTBK (17.94) vs UVSP (11.27). HTBK YTD gains are higher at: 41.233 vs. UVSP (17.154). UVSP has more cash in the bank: 70.8M vs. HTBK (55.4M). HTBK has less debt than UVSP: HTBK (39.8M) vs UVSP (359M). UVSP has higher revenues than HTBK: UVSP (320M) vs HTBK (190M).
HTBKUVSPHTBK / UVSP
Capitalization770M956M81%
EBITDAN/AN/A-
Gain YTD41.23317.154240%
P/E Ratio17.9411.27159%
Revenue190M320M59%
Total Cash55.4M70.8M78%
Total Debt39.8M359M11%
FUNDAMENTALS RATINGS
HTBK vs UVSP: Fundamental Ratings
HTBK
UVSP
OUTLOOK RATING
1..100
4169
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
35
Fair valued
PROFIT vs RISK RATING
1..100
5035
SMR RATING
1..100
3626
PRICE GROWTH RATING
1..100
4047
P/E GROWTH RATING
1..100
2057
SEASONALITY SCORE
1..100
n/a46

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.

UVSP's Valuation (35) in the Regional Banks industry is somewhat better than the same rating for HTBK (70). This means that UVSP’s stock grew somewhat faster than HTBK’s over the last 12 months.

UVSP's Profit vs Risk Rating (35) in the Regional Banks industry is in the same range as HTBK (50). This means that UVSP’s stock grew similarly to HTBK’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as HTBK (36). This means that UVSP’s stock grew similarly to HTBK’s over the last 12 months.

HTBK's Price Growth Rating (40) in the Regional Banks industry is in the same range as UVSP (47). This means that HTBK’s stock grew similarly to UVSP’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 UVSP (57). This means that HTBK’s stock grew somewhat faster than UVSP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HTBKUVSP
RSI
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 3 days ago
70%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
76%
Bullish Trend 3 days ago
63%
Momentum
ODDS (%)
Bullish Trend 3 days ago
54%
Bearish Trend 3 days ago
69%
MACD
ODDS (%)
Bullish Trend 3 days ago
50%
Bearish Trend 3 days ago
73%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
59%
Bearish Trend 3 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
51%
Advances
ODDS (%)
Bullish Trend 9 days ago
57%
Bullish Trend 16 days ago
55%
Declines
ODDS (%)
Bearish Trend 29 days ago
58%
Bearish Trend 4 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
73%
Aroon
ODDS (%)
Bullish Trend 3 days ago
50%
Bullish Trend 3 days ago
40%
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HTBK
Daily Signal:
Gain/Loss:
UVSP
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

UVSP and

Correlation & Price change

A.I.dvisor indicates that over the last year, UVSP has been closely correlated with BY. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if UVSP jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVSP
1D Price
Change %
UVSP100%
+0.09%
BY - UVSP
87%
Closely correlated
+0.20%
IBCP - UVSP
86%
Closely correlated
-0.27%
PEBO - UVSP
86%
Closely correlated
-0.26%
CTBI - UVSP
86%
Closely correlated
+0.10%
EFSC - UVSP
86%
Closely correlated
+0.18%
More