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Heritage Commerce Corp HTBK

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Price alert · HTBK

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13.45 USD 0.00 0.00%

At close · Apr 17

13.51 +0.06 +0.45%

After hours · Apr 17, 4:00 PM ET

Bid
13.43 × 2
Ask
13.44 × 2
13.21 Day range 13.74
7.66 52-week range 11.27
YTD
+11.99%
1 year
+54.60%
Open
13.22
Prev close
13.45
Mkt cap
583.61M
Vol
3.20M
Avg vol
335.21K
EPS
0.71
P/E
13.41
Div yield
5.42%
More statistics
Low
13.21
High
13.74
Forward P/E
13.60
Beta
0.91
Short ratio
2.55
Inst. own
78.19%
Dividend
0.52
Ex-div date
Nov 6, 2024
Earnings
Jan 23, 2025
50-d avg
10.22
200-d avg
9.25
1y target
11.75

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Financial health

Altman Z-Score

-0.11 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 15.4×
FY 2016: 20.0×FY 2017: 24.3×FY 2018: 13.3×FY 2019: 14.7×FY 2020: 15.0×FY 2021: 15.1×FY 2022: 11.8×FY 2023: 9.4×FY 2024: 14.2×FY 2025: 15.4×
FY 2016 5y median 14.2× FY 2025
P/S 2.8×
FY 2016: 4.6×FY 2017: 5.0×FY 2018: 3.4×FY 2019: 3.9×FY 2020: 3.3×FY 2021: 4.4×FY 2022: 4.0×FY 2023: 2.5×FY 2024: 2.3×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
P/B 1.0×
FY 2016: 1.9×FY 2017: 2.2×FY 2018: 1.3×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 12.1×
FY 2016: 19.3×FY 2017: 14.3×FY 2018: 9.7×FY 2019: 11.9×FY 2020: 9.7×FY 2021: 12.7×FY 2022: 11.4×FY 2023: 8.5×FY 2024: 15.4×FY 2025: 12.1×
FY 2016 5y median 12.1× FY 2025
EV/EBITDA 10.7×
FY 2016: 4.8×FY 2017: 5.8×FY 2018: 6.7×FY 2019: 3.0×FY 2020: -10.5×FY 2021: -7.8×FY 2022: 5.3×FY 2023: 2.5×FY 2024: -5.9×FY 2025: 10.7×
FY 2016 5y median 2.5× FY 2025
EV/Sales 2.8×
FY 2016: 2.1×FY 2017: 2.6×FY 2018: 2.5×FY 2019: 1.2×FY 2020: -3.5×FY 2021: -3.4×FY 2022: 2.6×FY 2023: 1.0×FY 2024: -1.4×FY 2025: 2.8×
FY 2016 5y median 1.0× FY 2025
FCF Yield 8.3%
FY 2016: 5.2%FY 2017: 7.0%FY 2018: 10.3%FY 2019: 8.4%FY 2020: 10.3%FY 2021: 7.9%FY 2022: 8.8%FY 2023: 11.8%FY 2024: 6.5%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025

Profitability

Gross Margin 72.6%
FY 2016: 95.8%FY 2017: 95.3%FY 2018: 89.1%FY 2019: 92.4%FY 2020: 86.4%FY 2021: 97.5%FY 2022: 95.1%FY 2023: 78.7%FY 2024: 67.7%FY 2025: 72.6%
FY 2016 5y median 78.7% FY 2025
Operating Margin 25.4%
FY 2016: 41.5%FY 2017: 43.2%FY 2018: 34.9%FY 2019: 36.8%FY 2020: 30.6%FY 2021: 40.4%FY 2022: 47.4%FY 2023: 37.2%FY 2024: 22.5%FY 2025: 25.4%
FY 2016 5y median 37.2% FY 2025
Net Margin 18.0%
FY 2016: 25.8%FY 2017: 20.4%FY 2018: 25.3%FY 2019: 26.5%FY 2020: 22.0%FY 2021: 29.3%FY 2022: 33.5%FY 2023: 26.5%FY 2024: 16.1%FY 2025: 18.0%
FY 2016 5y median 26.5% FY 2025
ROE 6.8%
FY 2016: 10.5%FY 2017: 8.8%FY 2018: 9.6%FY 2019: 7.0%FY 2020: 6.1%FY 2021: 8.0%FY 2022: 10.5%FY 2023: 9.6%FY 2024: 5.9%FY 2025: 6.8%
FY 2016 5y median 8.0% FY 2025
ROIC -3.2%
FY 2016: 10.5%FY 2017: 7.7%FY 2018: 8.7%FY 2019: 6.6%FY 2020: 5.7%FY 2021: 7.5%FY 2022: 9.9%FY 2023: 7.9%FY 2024: 4.9%FY 2025: -3.2%
FY 2016 5y median 7.5% FY 2025
ROA 0.8%
FY 2016: 1.1%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.3%FY 2023: 1.2%FY 2024: 0.7%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 5.8%
FY 2016: 20.9%FY 2017: 9.9%FY 2018: 19.6%FY 2019: 9.7%FY 2020: 4.9%FY 2021: 1.6%FY 2022: 22.1%FY 2023: 22.3%FY 2024: 3.4%FY 2025: 5.8%
FY 2016 FY 2025
Operating Income 19.4%
FY 2016: 65.3%FY 2017: 14.4%FY 2018: -3.3%FY 2019: 15.7%FY 2020: -12.9%FY 2021: 34.2%FY 2022: 43.3%FY 2023: -4.2%FY 2024: -37.3%FY 2025: 19.4%
FY 2016 FY 2025
EPS (diluted) 18.2%
FY 2016: 50.0%FY 2017: -13.9%FY 2018: 35.5%FY 2019: 0.0%FY 2020: -29.8%FY 2021: 33.9%FY 2022: 38.0%FY 2023: -3.7%FY 2024: -37.1%FY 2025: 18.2%
FY 2016 FY 2025
Free Cash Flow 62.7%
FY 2016: -7.5%FY 2017: 60.2%FY 2018: 18.9%FY 2019: 3.6%FY 2020: 8.0%FY 2021: 4.5%FY 2022: 22.0%FY 2023: 3.3%FY 2024: -47.6%FY 2025: 62.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: -5.7×FY 2017: -5.3×FY 2018: -2.4×FY 2019: -7.0×FY 2020: -20.3×FY 2021: -18.1×FY 2022: -2.7×FY 2023: -3.9×FY 2024: -15.4×FY 2025: 0.3×
FY 2016 5y median -3.9× FY 2025
Interest Coverage 0.9×
FY 2016: 13.7×FY 2017: 9.3×FY 2018: 6.2×FY 2019: 5.2×FY 2020: 5.7×FY 2021: 9.2×FY 2022: 10.5×FY 2023: 1.8×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 4.3%
FY 2016: 2.8%FY 2017: 2.6%FY 2018: 3.9%FY 2019: 3.8%FY 2020: 5.9%FY 2021: 4.4%FY 2022: 4.0%FY 2023: 5.2%FY 2024: 5.5%FY 2025: 4.3%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 66.7%
FY 2016: 49.8%FY 2017: 63.9%FY 2018: 52.3%FY 2019: 56.2%FY 2020: 88.0%FY 2021: 65.6%FY 2022: 47.3%FY 2023: 49.3%FY 2024: 78.6%FY 2025: 66.7%
FY 2016 5y median 65.6% FY 2025

Annual · latest fiscal year ends 2025-12-31