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Heritage Commerce Corp (HTBK)
Price$13.45
Value ScoreD
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)33.28%
Price vs S&P 500 (4W)2.13%
VGM Score55.94
Market Capitalization$828.43M
P/E Ratio (Annual)17.32x
Indicated Dividend Yield (Annual)3.87%
All Metrics
P/CF (Annual)13.43x
Book Value / Share (Quarterly)$11.55
P/TBV (Annual)1.04x
Indicated Dividend (Annual)$0.52
Revenue Growth (3Y)9.80%
Cash Flow / Share (Quarterly)$1.00
Payout Ratio (TTM)66.73%
Price vs S&P 500 (YTD)7.85%
Net Profit Margin (TTM)35.51%
EPS (TTM)$0.78
10-Day Avg Trading Volume0.98M
EPS Excl Extra (TTM)$0.78
Revenue Growth (5Y)12.05%
EPS (Annual)$0.78
Dividend / Share (Annual)$0.52
ROI (Annual)6.39%
Net Profit Margin (5Y Avg)29.22%
Cash / Share (Quarterly)$0.66
P/E Basic Excl Extra (TTM)17.32x
Revenue Growth QoQ (YoY)21.16%
EPS Growth (5Y)5.74%
P/E Normalized (Annual)17.32x
ROA (Last FY)0.83%
Revenue Growth TTM (YoY)32.84%
EBITD / Share (TTM)$1.77
ROE (5Y Avg)8.14%
Operating Margin (TTM)50.10%
Cash Flow / Share (Annual)$1.00
P/B Ratio1.17x
P/B Ratio (Quarterly)1.04x
Net Income / Employee (Annual)$139,900
ROA (TTM)0.86%
EPS Growth QoQ (YoY)42.00%
EV / EBITDA (TTM)12.57x
EPS Incl Extra (Annual)$0.78
3-Month Avg Trading Volume0.87M
52-Week Price Return56.21%
EV / Free Cash Flow (Annual)14.16x
P/E Incl Extra (TTM)17.32x
Tangible BV / Share (Quarterly)$11.47
P/S Ratio (Annual)2.75x
52-Week High$13.82
EPS Excl Extra (Annual)$0.78
CapEx CAGR (5Y)-34.64%
Tangible BV CAGR (5Y)4.64%
26-Week Price Return42.03%
13-Week Price Return8.03%
Total Debt / Equity (Annual)0.06x
Enterprise Value$868.23M
Revenue / Share Growth (5Y)1.56%
Book Value / Share Growth (5Y)3.66%
Revenue / Employee (Annual)$588,207,400,000
Pretax Margin (Annual)49.67%
Cash / Share (Annual)$0.45
3-Month Return Std Dev28.16%
Net Income / Employee (TTM)$139,900
EBITDA CAGR (5Y)13.25%
EBITDA Interim CAGR (5Y)17.26%
ROE (Last FY)6.75%
EPS Basic Excl Extra (Annual)$0.78
P/FCF (TTM)13.51x
EV / Free Cash Flow (TTM)14.16x
Total Debt / Equity (Quarterly)0.06x
EPS Incl Extra (TTM)$0.78
ROI (TTM)6.47%
Dividend Growth Rate (5Y)-0.03%
P/S Ratio (TTM)2.58x
Pretax Margin (5Y Avg)40.75%
Revenue / Share (Annual)$3.11
Tangible BV / Share (Annual)$11.47
Forward P/E13.32x
Free OCF CAGR (5Y)2.51%
Price vs S&P 500 (52W)21.12%
P/E Ratio (TTM)17.32x
EPS Growth TTM (YoY)17.79%
Year-to-Date Return11.99%
5-Day Price Return0.60%
EPS Normalized (Annual)$0.78
ROA (5Y Avg)0.99%
Net Profit Margin (Annual)35.03%
Month-to-Date Return7.77%
Cash Flow / Share (TTM)$1.23
EBITD / Share (Annual)$1.12
EPS Growth (3Y)-10.74%
Operating Margin (Annual)49.67%
LT Debt / Equity (Annual)0.06x
P/CF (TTM)13.43x
ROI (5Y Avg)7.68%
P/E Excl Extra (TTM)17.32x
LT Debt / Equity (Quarterly)0.06x
EPS Basic Excl Extra (TTM)$0.78
P/TBV (Quarterly)1.04x
Payout Ratio (Annual)66.73%
P/B Ratio (Annual)1.04x
Dividend / Share (TTM)$0.52
Pretax Margin (TTM)50.10%
Book Value / Share (Annual)$11.55
Price vs S&P 500 (13W)5.17%
Net Margin Growth (5Y)4.71%
Dividend Yield (TTM)3.85%
Beta-0.20x
P/FCF (Annual)13.51x
Revenue / Share (TTM)$3.30
ROE (TTM)6.83%
52-Week Low$9.02
vGradeD
gGradeC
mGradeA
vgmGradeC
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Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.91
3.83
3.83
3.83
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
HTBKHeritage Commerce Corp | D | C | A | $13.45 |
| BNSBank of Nova Scotia | C | C | B | $78.61 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.79 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $32.19 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | C | $25.71 |
| FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | D | C | C | $26.26 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | C | $18.52 |
| FITBFifth Third Bancorp | D | C | C | $48.56 |
| STTState Street Corporation | C | C | A | $159.79 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | B | C | F | $3.47 |
About
Heritage Commerce Corp is a bank holding company serving small and medium-sized businesses through its Banking and Factoring segments. The Banking segment provides the majority of revenue through commercial and industrial loans, commercial real estate and construction financing, and deposit products including demand accounts, money market accounts, certificates of deposit, and savings accounts.