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Heritage commerce corpHTBK.US Overview

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HTBK Recent Performance

1.93%

Heritage commerce corp

1.79%

Avg of Sector

-0.31%

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HTBK Key Information

HTBK Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

HTBK Profile

Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. Its deposit products for business banking and retail markets include interest and non-interest bearing demand, savings, and money market accounts, as well as certificates of deposit and time deposits. The company's loan portfolio comprises commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; small business administration loans; home equity lines of credit; multifamily loans on residential properties; residential mortgage loans; and consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes. In addition, it offers other banking services, including cashier's checks, bank by mail, night depositories, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, online bill pay, homeowner association, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services, as well as other customary banking, factoring financing, and electronic banking services. The company operates through 17 full-service branch offices located in the general San Francisco Bay Area of California. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California.

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HTBK FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

HTBK Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.78
PE Ratio (TTM)
15.94
Forward PE
14.51
PS Ratio (TTM)
3.91
PB Ratio
1.13
Price-to-FCF
12.88
METRIC
VALUE
vs. INDUSTRY
Gross Margin
92.19%
Net Margin
22.47%
Revenue Growth (YoY)
25.04%
Profit Growth (YoY)
15.27%
3-Year Revenue Growth
9.16%
3-Year Profit Growth
-0.24%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.78
PE Ratio (TTM)
15.94
Forward PE
14.51
PS Ratio (TTM)
3.91
PB Ratio
1.13
Price-to-FCF
12.88
Gross Margin
92.19%
Net Margin
22.47%
Revenue Growth (YoY)
25.04%
Profit Growth (YoY)
15.27%
3-Year Revenue Growth
9.16%
3-Year Profit Growth
-0.24%

  • When is HTBK's latest earnings report released?

    The most recent financial report for Heritage commerce corp (HTBK) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating HTBK's short-term business performance and financial health. For the latest updates on HTBK's earnings releases, visit this page regularly.

  • Where does HTBK fall in the P/E River chart?

    According to historical valuation range analysis, Heritage commerce corp (HTBK)'s current price-to-earnings (P/E) ratio is 12.18, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of HTBK?

    According to the latest financial report, Heritage commerce corp (HTBK) reported an Operating Profit of 21.88M with an Operating Margin of 31.14% this period, representing a growth of 48.46% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is HTBK's revenue growth?

    In the latest financial report, Heritage commerce corp (HTBK) announced revenue of 70.25M, with a Year-Over-Year growth rate of 55.97%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does HTBK have?

    At the end of the period, Heritage commerce corp (HTBK) held Total Cash and Cash Equivalents of 21.68M, accounting for 0 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does HTBK go with three margins increasing?

    In the latest report, Heritage commerce corp (HTBK) achieved the “three margins increasing” benchmark, with a gross margin of 76.33%%, operating margin of 31.14%%, and net margin of 21.52%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess HTBK's profit trajectory and future growth potential.

  • Is HTBK's EPS continuing to grow?

    According to the past four quarterly reports, Heritage commerce corp (HTBK)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.25. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of HTBK?

    Heritage commerce corp (HTBK)'s Free Cash Flow (FCF) for the period is 18.9M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 288.07% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of HTBK?

    The latest valuation data shows Heritage commerce corp (HTBK) has a Price-To-Earnings (PE) ratio of 12.18 and a Price/Earnings-To-Growth (PEG) ratio of 2.92. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.