WRLD vs HTBK

Comparison between World Acceptance Corp (WRLD, Company) and Heritage Commerce Corp (HTBK, Company).

Both WRLD and HTBK are from the Financial Services sector.

5-Year PerformanceHTBK has outperformed WRLD, delivering a return of +9.7% compared to +1.8%

WRLD vs HTBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	WRLD(COMPANY)	HTBK(COMPANY)
Market Cap	$829M	$825M
Max Drawdown	77.65%	90.83%
Sharpe Ratio	0.51	1.71
5Y Beta	1.19	0.78
Industry	Credit Services	Banks - Regional
P/E Ratio	23.95	17.27
Forward P/E	9.61	11.05
PEG Ratio	N/A	0.97
Dividend Yield	N/A	3.98%
5Y Dividends CAGR	N/A	4.56%
5Y EPS CAGR	6.58%	5.73%
Debt to Equity	167.30%	0.00%
Free Cash Flow Yield	30.83%	7.42%

Market Cap

Winner

WRLD

$829M

HTBK

$825M

Max Drawdown

Winner

WRLD

77.65%

HTBK

90.83%

Sharpe Ratio

WRLD

0.51

Winner

HTBK

1.71

5Y Beta

WRLD

1.19

Winner

HTBK

0.78

Industry

WRLD

Credit Services

HTBK

Banks - Regional

P/E Ratio

WRLD

23.95

Winner

HTBK

17.27

Forward P/E

Winner

WRLD

9.61

HTBK

11.05

PEG Ratio

WRLD

N/A

HTBK

0.97

Dividend Yield

WRLD

N/A

HTBK

3.98%

5Y Dividends CAGR

WRLD

N/A

HTBK

4.56%

5Y EPS CAGR

Winner

WRLD

6.58%

HTBK

5.73%

Debt to Equity

WRLD

167.30%

Winner

HTBK

0.00%

Free Cash Flow Yield

Winner

WRLD

30.83%

HTBK

7.42%

WRLD vs HTBK - Historical Returns

Returns include dividend reinvestment.

Period	WRLD	HTBK
1 month	+13.96%	+0.00%
3 months	+33.21%	+13.17%
6 months	+24.68%	+10.14%
1 year	+11.60%	+52.96%
5 years(CAGR)	+1.81%	+9.72%
10 years(CAGR)	+15.64%	+7.56%
Max(CAGR)	+14.30%	+1.61%

Winner

WRLD

+13.96%

HTBK

+0.00%

Winner

WRLD

+33.21%

HTBK

+13.17%

Winner

WRLD

+24.68%

HTBK

+10.14%

WRLD

+11.60%

Winner

HTBK

+52.96%

5Y(CAGR)

WRLD

+1.81%

Winner

HTBK

+9.72%

10Y(CAGR)

Winner

WRLD

+15.64%

HTBK

+7.56%

Max(CAGR)

Winner

WRLD

+14.30%

HTBK

+1.61%

WRLD vs HTBK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	WRLD	HTBK
2026	+25.49%	+13.79%
2025	+24.99%	+37.16%
2024	-12.58%	+0.85%
2023	+100.41%	-18.73%
2022	-71.25%	+15.08%
2021	+133.97%	+42.21%
2020	+13.79%	-26.10%
2019	-19.12%	+13.13%
2018	+24.97%	-23.89%
2017	+22.67%	+11.80%
2016	+72.52%	+29.69%
2015	-52.26%	+39.49%
2014	-6.52%	+8.88%
2013	+17.71%	+18.18%
2012	+1.17%	+47.57%
2011	+34.94%	+5.10%
2010	+46.50%	+7.91%
2009	+76.16%	-64.66%
2008	-21.24%	-34.23%
2007	-43.84%	-30.14%
2006	+59.37%	+23.41%
2005	+7.39%	+16.29%
2004	+23.64%	+55.77%
2003	+151.77%	+42.20%
2002	+1.87%	+9.23%
2001	+39.05%	-17.89%
2000	+18.92%	-42.19%
1999	-4.94%	+0.76%

WRLD vs HTBK Drawdown Comparison

The maximum drawdown for WRLD was -77.65%, occurring on Mar 6, 2009. Recovery took 1041 trading sessions.

The maximum drawdown for HTBK was -90.46%, occurring on Nov 9, 2009. This drawdown has not yet recovered.

The current WRLD drawdown is -31.29%. The current HTBK drawdown is -11.61%.

Rank	WRLD	HTBK
#1	-77.65% Oct 23, 2006 - Dec 10, 2010	-90.46% Feb 8, 2007 - Nov 9, 2009
#2	-77.00% Dec 22, 2021 - Dec 19, 2022	-59.41% Nov 30, 1999 - Oct 11, 2004
#3	-75.12% Oct 23, 2013 - Jan 26, 2018	-11.35% Sep 16, 2005 - Oct 28, 2005
#4	-74.48% Jul 12, 2019 - Jul 21, 2021	-10.27% Nov 30, 2004 - Jul 28, 2005
#5	-39.71% Jan 20, 2004 - Sep 17, 2004	-10.09% Mar 31, 2006 - Oct 16, 2006
#6	-36.54% Aug 14, 2001 - Apr 17, 2003	-7.82% Nov 22, 2005 - Feb 17, 2006
#7	-27.25% Oct 25, 2021 - Nov 4, 2021	-6.65% Dec 27, 2006 - Feb 8, 2007
#8	-25.55% Jul 15, 2005 - May 16, 2006	-5.61% Nov 10, 2005 - Nov 21, 2005
#9	-24.61% Jul 20, 2018 - Apr 10, 2019	-5.54% Aug 3, 2005 - Sep 1, 2005
#10	-24.18% Feb 3, 2005 - Jul 8, 2005	-5.44% Nov 3, 1999 - Nov 17, 1999
#11	-23.62% Jul 9, 2003 - Oct 28, 2003	-4.55% Oct 11, 2004 - Oct 27, 2004
#12	-21.77% Nov 9, 2021 - Dec 22, 2021	-4.36% Oct 16, 2006 - Nov 6, 2006
#13	-21.57% Jan 3, 2012 - Aug 16, 2012	-4.28% Nov 21, 2006 - Dec 26, 2006
#14	-21.33% May 31, 2001 - Aug 13, 2001	-3.54% Feb 24, 2006 - Mar 14, 2006
#15	-20.76% May 10, 2011 - Oct 27, 2011	-2.58% Feb 17, 2006 - Feb 22, 2006