Heritage Commerce Statistics

Total Valuation

HTBK has a market cap or net worth of $699.25 million. The enterprise value is $19.92 million.

Market Cap	699.25M
Enterprise Value	19.92M

Important Dates

The next estimated earnings date is Thursday, January 22, 2026, after market close.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Nov 6, 2025

Share Statistics

HTBK has 61.28 million shares outstanding. The number of shares has increased by 0.32% in one year.

Current Share Class	61.28M
Shares Outstanding	61.28M
Shares Change (YoY)	+0.32%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	4.01%
Owned by Institutions (%)	79.35%
Float	58.83M

Valuation Ratios

The trailing PE ratio is 16.30 and the forward PE ratio is 12.16.

PE Ratio	16.30
Forward PE	12.16
PS Ratio	3.73
Forward PS	3.41
PB Ratio	1.00
P/TBV Ratio	1.33
P/FCF Ratio	12.23
P/OCF Ratio	12.16
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	0.46
EV / Sales	0.11
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	0.35

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.20
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.26%.

Return on Equity (ROE)	6.26%
Return on Assets (ROA)	0.78%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$528,665
Profits Per Employee	$122,068
Employee Count	355
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, HTBK has paid $17.22 million in taxes.

Income Tax	17.22M
Effective Tax Rate	28.44%

Stock Price Statistics

The stock price has increased by +8.45% in the last 52 weeks. The beta is 0.80, so HTBK's price volatility has been lower than the market average.

Beta (5Y)	0.80
52-Week Price Change	+8.45%
50-Day Moving Average	10.35
200-Day Moving Average	9.83
Relative Strength Index (RSI)	68.71
Average Volume (20 Days)	383,761

Short Selling Information

The latest short interest is 907,959, so 1.48% of the outstanding shares have been sold short.

Short Interest	907,959
Short Previous Month	944,578
Short % of Shares Out	1.48%
Short % of Float	1.54%
Short Ratio (days to cover)	2.30

Income Statement

In the last 12 months, HTBK had revenue of $187.68 million and earned $43.33 million in profits. Earnings per share was $0.70.

Revenue	187.68M
Gross Profit	187.68M
Operating Income	69.74M
Pretax Income	60.56M
Net Income	43.33M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.70

Full Income Statement

Balance Sheet

The company has $747.74 million in cash and $68.42 million in debt, giving a net cash position of $679.32 million or $11.08 per share.

Cash & Cash Equivalents	747.74M
Total Debt	68.42M
Net Cash	679.32M
Net Cash Per Share	$11.08
Equity (Book Value)	700.01M
Book Value Per Share	11.42
Working Capital	-4.02B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $57.52 million and capital expenditures -$364,000, giving a free cash flow of $57.16 million.

Operating Cash Flow	57.52M
Capital Expenditures	-364,000
Free Cash Flow	57.16M
FCF Per Share	$0.93

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	37.16%
Pretax Margin	32.27%
Profit Margin	23.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.46%

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 4.56%.

Dividend Per Share	$0.52
Dividend Yield	4.56%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	74.29%
Buyback Yield	-0.32%
Shareholder Yield	4.23%
Earnings Yield	6.20%
FCF Yield	8.17%

Dividend Details

Analyst Forecast

The average price target for HTBK is $11.88, which is 4.03% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$11.88
Price Target Difference	4.03%
Analyst Consensus	Strong Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on February 3, 2000. It was a forward split with a ratio of 1.1:1.

Last Split Date	Feb 3, 2000
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4