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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 $13.45, about 12.7% overvalued vs fair value, +48.8% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 54.4% ROE 6.8% Gross Margin 72.6%
$13.45
0.00%
As of April 20, 2026
Previous close • Vol 90d: 26.3%
52-Week Range
Market Cap
$828.40M
Enterprise Value
$846.52M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Apr 8
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$22
Current: $13.45 -13% 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

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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing HTBK's balance between Growth (17.8%), Profitability (41.7%), and Safety (40.6%). Growth 18% Safety 41% Profitability 42%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

19th percentile vs peers
20
Key Signals
Asset Growth YoY 2.1% 34p Equity Growth YoY 2.5% 19p EPS Growth YoY -37.3% 15p NII Growth YoY -10.7% 8p
Strengths
  • Cash & Securities to Assets in top 20% of peers (27.4%, 91th percentile)
  • Dividends/Tangible Equity in top 20% of peers (6.3%, 80th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 19)
  • Equity Growth YoY in bottom 20% of peers (2.5%)
  • EPS Growth YoY in bottom 20% of peers (-37.3%)
  • NII Growth YoY in bottom 20% of peers (-10.7%)

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
45
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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$11.74
- - -
-12.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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