Heritage Commerce Corp

HTBK

Heritage Commerce Corp

HTBK/State Commercial Banks/CA

We are a bank holding company formed in 1997 as the sole shareholder of Heritage Bank of Commerce ( HBC or the Bank ), a California-chartered, FDIC-insured community-focused business bank headquartered in San Jose, California, since its formation in 1994. We provide a full line of banking services and products to business and individual clients, with a focus on small and medium-sized business a…

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ProfitabilityN/A GrowthAccelerating Cash FlowN/A ValuationN/A

What stands out

2555.02% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.

What's changing

Revenue grew 31.6% YoY.

What deserves caution

Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.

Profitability & Returns

TTM as of 2025-12 · YoY vs prior year · ROIC = NOPAT / invested capital

Revenue (TTM)

$2M

▲ +31.6% YoY

Net Income (TTM)

$48M

▲ +18.0% YoY

Net Margin

2555.02%

P/E

—

Balance Sheet

Traditional FCF and net-debt metrics are not meaningful for financial institutions · Balance sheet from latest filing

Total Assets

$5.76B

Equity

$709M

Total Debt

$28M

Cash & Equiv.

$647M

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Quality Scorecard

Is this a high-quality business?

Dividends

Payout safety and growth

DCF Valuation

What is it worth?

Financials

Full income, cash flow, balance sheet

SourceComputed from the 10-Q filed 19 Feb 2026, covering the period ending 31 Dec 2025, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.

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Spot a number that looks wrong? Check it in HTBK's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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