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HTBK stock logo

HTBK

Heritage Commerce Corp

$13.45
13.45
 (3.07%)
Exchange:  NASDAQ
Market Cap:  828.43M
Shares Outstanding:  5.38M
Delayed data
Overview
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About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Robertson Jones Jr.
Full Time Employees:  350
Address: 
224 Airport Parkway
San Jose
CA
95110
US
Website:  https://www.heritagecommercecorp.com
Heritage Commerce Corp, operating as the parent company for Heritage Bank of Commerce, offers a broad spectrum of commercial and personal banking solutions. The company caters to individuals, businesses, and professionals across California. Its array of deposit products for retail and business clients includes both interest-bearing and non-interest-bearing checking accounts, savings and money market accounts, certificates of deposit, and various time deposits. The loan portfolio is extensive, featuring commercial loans for operational capital, equipment acquisition, and general business needs (both secured and unsecured). It also provides financing for commercial real estate, construction loans for rental properties, commercial structures, and residential development, alongside Small Business Administration (SBA) loans. Residential offerings encompass home equity lines of credit, multifamily property loans, and traditional residential mortgages, while consumer loans cover vehicles, goods, and other personal financing requirements. Furthermore, Heritage Commerce Corp delivers a wide variety of supplementary services, such as cashier’s checks, bank-by-mail, night deposit facilities, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer (EFT), online bill payment, services for homeowner associations, remote deposit capture, Automated Clearing House (ACH) origination, electronic data interchange (EDI), check imaging, factoring financing, and a full suite of other digital and conventional banking services. The company maintains 17 full-service branch locations, primarily positioned within the greater San Francisco Bay Area of California. Heritage Commerce Corp was established in 1994 and is headquartered in San Jose, California.

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Revenue Segmentation

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HTBK full analysis

24/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Heritage Commerce Corp, or HTBK as it’s known on the ticker. If you’re not familiar with this player, let me give you the quick rundown. Heritage Commerce Corp is a regional bank holding company based in the U.S., operating primarily through its subsidiary, Heritage Bank of Commerce. They’re in the financial services game, focusing on commercial banking for small to medium-sized businesses, real estate, and personal banking services, mostly in California’s Bay Area. It’s…

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
SPSPFI logoSPFISouth Plains Financial, Inc.820.1M11.1—8.7%
ORORRF logoORRFOrrstown Financial Services, Inc.819.4M8.8—-2.5%
CCCCBG logoCCBGCapital City Bank Group, Inc.839.9M13.4—1.4%
GSGSBC logoGSBCGreat Southern Bancorp, Inc.850.5M12.7—1.1%
EGEGBN logoEGBNEagle Bancorp, Inc.864.2M——-0.3%

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Current Key Metrics

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Forward P/E Ratios

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


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Common questions about HTBK valuation

Is HTBK (HTBK) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for HTBK (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.

Research tools for HTBK

  • HTBK intrinsic value calculatorEstimate what the business is worth
  • HTBK 5-year outlookWhat has to go right, and what could go wrong
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