HTBK
Heritage Commerce Corp
| Exchange: | NASDAQ |
| Market Cap: | 784.083M |
| Shares Outstanding: | 5.38M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Robertson Jones Jr. | |||||
| Full Time Employees: | 350 | |||||
| Address: |
| |||||
| Website: | https://www.heritagecommercecorp.com |
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Revenue Segmentation
EPS
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Earnings Call
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 243,296 | 251,447 | 266,139 |
| Gross Profit | 191,473 | 170,257 | 193,309 |
| EBITDA | 93,940 | 60,203 | 71,206 |
| Operating Income | 90,419 | 56,674 | 67,696 |
| Net Income | 64,443 | 40,528 | 47,830 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 5,194,095 | 5,645,006 | 5,764,697 |
| Total Liabilities | 4,521,194 | 4,955,279 | 5,056,131 |
| Total Stockholders Equity | 672,901 | 689,727 | 708,566 |
| Total Debt | 39,502 | 39,653 | 39,805 |
| Cash and Cash Equivalents | 408,129 | 968,123 | 21,682 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 73,010 | 38,971 | 61,675 |
| Capital Expenditure | -1,671 | -1,624 | 0 |
| Free Cash Flow | 71,339 | 37,347 | 61,675 |
| Net Income | 64,443 | 40,528 | 47,830 |
| Net Change in Cash | 101,526 | 559,994 | -321,095 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 221,506.615 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 227,693.384 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 224,600 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 80,430.543 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 82,677 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 81,553.772 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 64,462.191 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 65,110.053 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 64,786.122 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 64,659.729 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 66,465.701 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 65,562.715 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.050 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.060 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.040 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Stable Financial Performance: HTBK demonstrates consistent revenue and net income figures as per the latest income statements, supported by positive operating cash flow and free cash flow trends from the cash flow statements. This indicates a solid operational foundation within the banking sector.
- Strong Balance Sheet Metrics: The balance sheet data highlights a healthy level of cash and cash equivalents relative to total current liabilities, with a reasonable debt-to-equity ratio (per key metrics TTM). This suggests financial stability and capacity to weather economic fluctuations.
- Dividend Yield: HTBK offers a competitive dividend yield (per key metrics TTM), which is attractive to income-focused investors, supported by consistent dividend payments as reflected in the cash flow statements.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HTBK intrinsic value between $8.83 – $8.93 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about HTBK valuation
Is Heritage Commerce Corp (HTBK) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Heritage Commerce Corp (HTBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HTBK a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HTBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HTBK’s P/E ratio?
You can see HTBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HTBK?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HTBK a good long-term investment?
Whether HTBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
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