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Heritage Commerce Corp

Data quality: 100%
HTBK
NASDAQ Financial Services Banks - Regional
$12.43
▲ $0.38 (3.15%)
Mkt Cap: 765.60M
Day Range
$12.26 $12.67
52-Week Range
$8.09 $13.83
Volume
1,090,818
50D / 200D Avg
$12.78 / $10.98
Prev Close
$12.05

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 16.0 10.3
P/B 1.1 1.1
ROE % 6.8 11.7
Net Margin % 18.0 16.8
Rev Growth 5Y % 13.1 11.7
D/E 0.1 0.5

Key Takeaways

Revenue grew 13.05% annually over 5 years — strong growth
Earnings grew 18.02% over the past year
Net margin of 17.97% shows strong profitability
Debt/Equity of 0.06 — conservative balance sheet
Generating 60.77M in free cash flow
PEG of 0.85 suggests growth is underpriced

Growth

Revenue Growth (5Y)
13.05%
Revenue (1Y)5.84%
Earnings (1Y)18.02%
FCF Growth (3Y)-7.71%

Quality

Return on Equity
6.84%
ROIC6.78%
Net Margin17.97%
Op. Margin25.44%

Safety

Debt / Equity
0.06
Current Ratio0.27
Interest Coverage0.95

Valuation

P/E Ratio
16.01
P/B Ratio1.08
EV/EBITDA11.58
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 5.84% Revenue Growth (3Y) 4.59%
Earnings Growth (1Y) 18.02% Earnings Growth (3Y) -13.85%
Revenue Growth (5Y) 13.05% Earnings Growth (5Y) 0.07%
Profitability
Revenue (TTM) 266.14M Net Income (TTM) 47.83M
ROE 6.84% ROA 0.83%
Gross Margin 72.63% Operating Margin 25.44%
Net Margin 17.97% Free Cash Flow (TTM) 60.77M
ROIC 6.78% FCF Growth (3Y) -7.71%
Safety
Debt / Equity 0.06 Current Ratio 0.27
Interest Coverage 0.95 Dividend Yield 0.04%
Valuation
P/E Ratio 16.01 P/B Ratio 1.08
P/S Ratio 2.88 PEG Ratio 0.85
EV/EBITDA 11.58 Dividend Yield 0.04%
Market Cap 765.60M Enterprise Value 783.73M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 266.14M 251.45M 243.30M 198.94M 162.94M
Net Income 47.83M 40.53M 64.44M 66.56M 47.70M
EPS (Diluted) 0.78 0.66 1.05 1.09 0.79
Gross Profit 193.31M 170.26M 191.47M 189.23M 158.95M
Operating Income 67.70M 56.67M 90.42M 94.37M 65.87M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 5.76B 5.65B 5.19B 5.15B 5.50B
Total Liabilities 5.06B 4.96B 4.52B 4.52B 4.90B
Shareholders' Equity 708.57M 689.73M 672.90M 632.46M 598.03M
Total Debt 39.81M 39.65M 39.50M 39.35M 39.93M
Cash & Equivalents 21.68M 968.12M 408.13M 306.60M 1.31B
Current Assets 614.64M 1.22B 850.77M 889.66M 1.49B
Current Liabilities 2.27B 4.82B 4.38B 4.49B 4.86B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#933 of 1024
22

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026