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Company Analysis

Heritage Commerce Corp HTBK

A comprehensive view of key metrics, scores, and financial health for Heritage Commerce Corp

Overview of Heritage Commerce Corp

HTBK NMS
Financial Services Banks - Regional Small Cap
Heritage Commerce Corp (HTBK), is a Small Cap company, in the Banks - Regional industry, last closed at $12.13, about 3.2% overvalued vs fair value, +25.8% 1Y return, placing in the top 25% of its sector.
$12.13
-0.33%
As of March 13, 2026
Previous close • Vol 90d: 27.0%
52-Week Range
Market Cap
$747.33M
Enterprise Value
$765.46M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.heritagecommerceco...
HQ San Jose, CA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$12
$22
Current: $12.13 -3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$242.7M
3.6%%
Interest Expense
$71.6M
Net Interest Income
$163.6M
-10.7%%
Total Revenue
$266.1M
54.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$33.9M
83.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Heritage Commerce Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HTBK's balance between Growth (33.3%), Profitability (38.1%), and Safety (28.6%). Growth 33% Safety 29% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
37
Key Signals
Rev Growth YoY 54.4% 47p Asset Growth YoY 2.1% 34p Revenue CAGR 3Y 11.9% 27p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 37)

Profitability

42th percentile vs peers
42
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Heritage Commerce Corp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$11.74
- - -
-3.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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