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CAC vs HTBK

CAC
Camden National Corporation
BULLISH
Price
$49.07
Market Cap
$833.0M
Sector
Financial Services
AI Confidence
70%
HTBK
Heritage Commerce Corp
BULLISH
Price
$13.37
Market Cap
$823.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CAC
12.78
HTBK
17.14
Forward P/E
CAC
8.35
HTBK
12.52
P/B Ratio
CAC
1.19
HTBK
1.16
P/S Ratio
CAC
3.57
HTBK
4.21
EV/EBITDA
CAC
--
HTBK
--

Profitability

Gross Margin
CAC
0.0%
HTBK
0.0%
Operating Margin
CAC
47.52%
HTBK
45.34%
Profit Margin
CAC
27.91%
HTBK
24.45%
ROE
CAC
10.61%
HTBK
6.84%
ROA
CAC
1.02%
HTBK
0.84%

Growth

Revenue Growth
CAC
39.2%
HTBK
17.7%
Earnings Growth
CAC
33.8%
HTBK
45.2%

Financial Health

Debt/Equity
CAC
--
HTBK
--
Current Ratio
CAC
--
HTBK
--
Quick Ratio
CAC
--
HTBK
--

Dividends

Dividend Yield
CAC
3.43%
HTBK
3.89%
Payout Ratio
CAC
43.75%
HTBK
66.67%

AI Verdict

CAC BULLISH

CAC shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.8
Strong profitability (27.9% margin)
Strong revenue growth of 39.2%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
HTBK BULLISH

HTBK presents a stable financial profile with a Piotroski F-Score of 4/9 and is currently undervalued relative to its Graham Number ($14.23) and Intrinsic Value ($23.01). The company exhibits exceptional earnings growth (45.2% YoY) and a consistent track record of beating quarterly estimates over the last 25 quarters. However, a severely bearish technical trend (10/100) and modest ROE (6.84%) suggest caution regarding short-term timing. Overall, the strong fundamental growth and valuation discount outweigh the current technical weakness.

Strengths
Significant undervaluation relative to Intrinsic Value ($23.01) and Graham Number ($14.23)
Exceptional YoY earnings growth of 45.20%
Strong earnings track record with 3/4 recent beats and consistent positive surprises
Risks
Severely bearish technical trend (10/100) indicating strong downward price momentum
Low Return on Equity (6.84%) compared to high-performing regional peers
Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'

Compare Another Pair

CAC vs HTBK: Head-to-Head Comparison

This page compares Camden National Corporation (CAC) and Heritage Commerce Corp (HTBK) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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