Heritage Commerce Corp
HTBK
NASDAQ·Financial Services·Banks - Regional·Mkt cap $828.4M
$13.45
▲ +3.07%
P/E
17.24
Mkt Cap
$828.4M
52-Wk Range
$8.56–$13.83
52-Week Range
$8.56 - $13.83
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 43.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Strong regional presence with 17 branches in high-value San Francisco Bay Area market
- Diversified loan portfolio reducing concentration risk across commercial, real estate, and consumer segments
- Established 30-year track record since 1994 providing relationship-based banking to local businesses and professionals
- Comprehensive service offerings including specialized SBA lending and factoring services
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Mild headwinds expected
Bay Area economic growth and business expansion driving commercial lending demand
Value
Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Stable
+0.1% over 3m
Quality
Excellent
High-growth business (44% revenue growth, 73% gross margin). Profitable with strong growth momentum.
Dividend
Solid
3.87% yield
Smart-money signal
Who's buying HTBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Most recent quarter reported revenue of $70.2M (+10% YoY). Reported EPS of $0.25. Gross margin 76.3%.
Reported EPS · last 4Q
Q4 25
$0.25
Q3 25
$0.24
Q2 25
$0.10
Q1 25
$0.19
Revenue trend · last 8Q
—
—
—
—
+9%
+15%
+18%
+10%
Q1 24
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
$41.4M
$40.8M
$41.3M
$48.9M
$45.2M
$65.0M
$67.2M
$70.2M
Margins · last 8Q
Gross
76.3%
Operating
31.1%
Profit
21.5%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How HTBK stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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