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Heritage Commerce Corp

HTBK

10.580USD

+0.110+1.05%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

648.32MMarket Cap

14.96P/E TTM



Heritage Commerce Corp

10.580

+0.110+1.05%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Heritage Commerce Corp

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a good stock market performance and strong technicals, the fundamentals don't support the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Heritage Commerce Corp's Score

Industry at a Glance

Industry Ranking

94 / 407

Overall Ranking

156 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 6 analysts

Buy

Current Rating

11.833

Target Price

+11.85%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Heritage Commerce Corp Highlights

StrengthsRisks

Heritage Commerce Corp is a bank holding company for its wholly owned subsidiary, Heritage Bank of Commerce (the Bank). The Bank offers a full range of commercial banking services to small and medium-sized businesses and their owners, managers and employees. Its lending activities are diversified and include commercial, real estate, construction and land development, consumer and small business administration (SBA) guaranteed loans. The Bank offers a wide range of deposit products for business banking and retail markets. It offers a multitude of other products and services to complement its lending and deposit services. In addition, through its subsidiary, CSNK Working Capital Finance Corp, it provides factoring financing throughout the United States. The Company’s operations are located in the general San Francisco Bay Area of California in the counties of Alameda, Contra Costa, Marin, San Benito, San Francisco, San Mateo, and Santa Clara.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 78.61%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 78.61%.

Overvalued

The company’s latest PB is 0.93, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 49.51M shares, decreasing 6.11% quarter-over-quarter.

Held by PRFDX

Star Investor PRFDX holds 4.98K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 4.57, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 49.44M, representing a year-over-year increase of 18.78%, while its net profit experienced a year-over-year increase of 39.89%.

Score

Industry at a Glance

Previous score

4.57

Change



Financials

7.47

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.42

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.57

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.29

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Heritage Commerce Corp's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 7.31, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 14.99, which is 11.82% below the recent high of 16.77 and 61.85% above the recent low of 5.72.

Score

Industry at a Glance

Previous score

7.31

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 94/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

The company’s current earnings forecast score is 8.67, which is higher than the Banking Services industry's average of 7.41. The average price target for Heritage Commerce Corp is 12.00, with a high of 12.50 and a low of 11.00.

Score

Industry at a Glance

Previous score

8.67

Change

Support & Resistance

No Data

Analyst Rating

Based on 6 analysts

Buy

Current Rating

11.833

Target Price

+11.85%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Heritage Commerce Corp

HTBK

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 8.85, which is higher than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 11.20 and the support level at 9.65, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.74

Change

0.11

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.085

Buy

RSI(14)

57.679

Neutral

STOCH(KDJ)(9,3,3)

53.376

Sell

ATR(14)

0.302

High Vlolatility

CCI(14)

34.162

Neutral

Williams %R

27.039

Buy

TRIX(12,20)

0.307

Sell

StochRSI(14)

21.924

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

10.614

Sell

MA10

10.563

Buy

MA20

10.206

Buy

MA50

10.124

Buy

MA100

10.021

Buy

MA200

9.769

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 7.00, which is higher than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 80.79%, representing a quarter-over-quarter decrease of 2.58%. The largest institutional shareholder is The Vanguard, holding a total of 3.95M shares, representing 6.44% of shares outstanding, with 17.15% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

5.60M

-4.19%

The Vanguard Group, Inc.

Star Investors

3.54M

+1.73%

Dimensional Fund Advisors, L.P.

3.42M

+0.38%

Wellington Management Company, LLP

3.01M

-20.84%

FJ Capital Management, LLC

2.34M

-0.85%

State Street Investment Management (US)

1.88M

-4.27%

Holdco Asset Management, LP

1.62M

+1619.04%

JP Morgan Asset Management

1.59M

-1.63%

Geode Capital Management, L.L.C.

1.57M

+5.90%

BlackRock Financial Management, Inc.

1.39M

+2.17%

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 8.14, which is higher than the Banking Services industry's average of 6.61. The company's beta value is 0.80. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.