/HTBK
Heritage Commerce Corp
HTBK • NASDAQHTBK • NASDAQ • Financial Services
$12.13-0.33%-0.04
$12.13-0.33%(-0.04)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
89Bullish
Risk
92Low Risk
Momentum
58Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
72.6%▲4.9pp
Revenue after COGS
Operating
25.4%▲2.9pp
After operating expenses
Net
18.0%▲1.9pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
15.4
Price vs earnings
EV/EBITDA
10.6
Enterprise value
FCF Yield
8.3%
Cash generation
Earnings Yield
6.5%
Inverse of P/E
Capital Efficiency
1
GoAI Quality ScoreWeak
ROEReturn on Equity
6.8%Fair
ROAReturn on Assets
0.8%Fair
ROICReturn on Invested Capital
-3.2%Weak
Financial Health
Current RatioWeak
0.27
Short-term solvency (>1.5)
Net Debt / EBITDAManageable
0.25x
Debt repayment capacity (<3x)
Income QualityStrong
1.29
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $266.14M | $251.45M | $243.30M | $198.94M | $162.94M |
| Gross Profit | $193.31M | $170.26M | $191.47M | $189.22M | $158.95M |
| Gross Margin | 72.6% | 67.7% | 78.7% | 95.1% | 97.5% |
| Operating Income | $67.70M | $56.67M | $90.42M | $94.37M | $65.87M |
| Net Income | $47.83M | $40.53M | $64.44M | $66.56M | $47.70M |
| Net Margin | 18.0% | 16.1% | 26.5% | 33.5% | 29.3% |
| EPS | $0.78 | $0.66 | $1.06 | $1.10 | $0.79 |
Average Price Target
$12.50▲ 3.1% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Heritage Commerce Corp, the average price target is $12.50, with a high forecast of $14.50 and a low forecast of $11.00. The average price target represents a 3.1% increase from the current price of $12.13.
Highest
$14.50
Average
$12.50
Lowest
$11.00
Rating Distribution
Strong Buy
0
0%
Buy
5
42%
Hold
7
58%
Sell
0
0%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
DA Davidson● Maintain
Neutral
2026-02-04Raymond James▼ Downgrade
Outperform→Market Perform
2026-01-07Stephens & Co.▼ Downgrade
Overweight→Equal Weight
2026-01-05Janney Montgomery Scott▼ Downgrade
Buy→Neutral
2025-12-22DA Davidson▼ Downgrade
Buy→Neutral
2025-12-18DA Davidson● Maintain
Buy
2025-10-28Stephens & Co.● Maintain
Overweight
2025-10-27Piper Sandler● Maintain
Overweight
2025-10-27Stephens & Co.● Maintain
Overweight
2025-04-28Keefe, Bruyette & Woods● Maintain
Outperform
2025-04-25Earnings History & Surprises
BEAT RATE
57%
Last 14 quarters
AVG SURPRISE
+0.4%
EPS vs Estimate
BEATS / MISSES
8/4
2 met exactly
LATEST EPS
$0.24
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
No data
Q4 '25
+14.3%
$0.24 vs $0.21
Q3 '25
+10.5%
$0.21 vs $0.19
Q2 '25
+5.6%
$0.19 vs $0.18
Q1 '25
No data
Q4 '24
$0.17 vs $0.17
Q3 '24
-16.7%
$0.15 vs $0.18
Q2 '24
-10.5%
$0.17 vs $0.19
Q1 '24
No data
Q4 '23
$0.25 vs $0.25
Q3 '23
-6.9%
$0.27 vs $0.29
Q2 '23
+3.3%
$0.31 vs $0.30
No investor questions available.
Latest News
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