Heritage Commerce/$HTBK
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About Heritage Commerce
Heritage Commerce Corp operates as a bank holding company. The company, through its subsidiary, offers commercial banking services to small and medium-sized businesses and their owners, managers, and employees. It operates through two reportable segments, namely Banking and Factoring. A majority of its revenue is generated from the Banking segment, which provides various loan products, including commercial and industrial loans, commercial real estate loans, construction loans, etc. This segment also focuses on deposit generation on relationship accounts, encompassing non-interest bearing demand, interest bearing demand, money market accounts, certificates of deposit, and savings accounts.
Ticker
$HTBK
Sector
Primary listing
Industry
Banks
Headquarters
Employees
350
ISIN
US4269271098
HTBK Metrics
BasicAdvanced
$639M
15.25
$0.68
0.74
$0.52
5.01%
Price and volume
Market cap
$639M
Beta
0.74
52-week high
$10.77
52-week low
$8.09
Average daily volume
478K
Dividend rate
$0.52
Financial strength
Dividend payout ratio (TTM)
75.96%
Profitability
Net profit margin (TTM)
24.12%
Operating margin (TTM)
33.65%
Effective tax rate (TTM)
28.32%
Revenue per employee (TTM)
$500,000
Management effectiveness
Return on assets (TTM)
0.78%
Return on equity (TTM)
6.12%
Valuation
Price to earnings (TTM)
15.249
Price to revenue (TTM)
3.654
Price to book
0.92
Price to tangible book (TTM)
1.22
Price to free cash flow (TTM)
14.052
Free cash flow yield (TTM)
7.12%
Free cash flow per share (TTM)
73.80%
Dividend yield (TTM)
5.01%
Forward dividend yield
5.01%
Growth
Revenue change (TTM)
-4.05%
Earnings per share change (TTM)
-25.26%
3-year revenue growth (CAGR)
2.55%
3-year earnings per share growth (CAGR)
-5.66%
10-year earnings per share growth (CAGR)
4.21%
10-year dividend per share growth (CAGR)
8.98%
Bulls say / Bears say
Heritage Commerce Corp reported a 9% increase in profitability in Q1 2025 compared to the previous quarter, driven by improved net interest margin and strong expense control. (heritagebankofcommerce.bank)
The company's net interest margin expanded to 3.39% in Q1 2025, up from 3.31% in Q1 2024, indicating improved profitability from its lending activities. (marketscreener.com)
Heritage Commerce Corp's efficiency ratio improved to 63.96% in Q1 2025, down from 65.35% in the previous quarter, reflecting better cost management. (einnews.com)
Total deposits decreased by $136.8 million, or 3%, in Q1 2025 compared to the previous quarter, potentially indicating challenges in attracting or retaining depositors. (marketscreener.com)
Net charge-offs increased significantly to $965,000 in Q1 2025, up from $254,000 in Q1 2024, suggesting a rise in loan defaults. (panabee.com)
Classified assets rose to 0.73% of total assets in Q1 2025, up from 0.67% in Q1 2024, indicating a slight deterioration in asset quality. (panabee.com)
Data summarised monthly by Lightyear AI. Last updated on 9 Jul 2025.
HTBK News
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FAQs
What’s the current market cap for Heritage Commerce stock?
Heritage Commerce (HTBK) has a market cap of $639M as of July 12, 2025.
What is the P/E ratio for Heritage Commerce stock?
The price to earnings (P/E) ratio for Heritage Commerce (HTBK) stock is 15.25 as of July 12, 2025.
Does Heritage Commerce stock pay dividends?
Yes, the Heritage Commerce (HTBK) stock pays dividends to shareholders. As of July 12, 2025, the dividend rate is $0.52 and the yield is 5.01%. Heritage Commerce has a payout ratio of 75.96% on a trailing twelve-month basis.
When is the next Heritage Commerce dividend payment date?
The next Heritage Commerce (HTBK) dividend payment date is unconfirmed.
What is the beta indicator for Heritage Commerce?
Heritage Commerce (HTBK) has a beta rating of 0.74. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.