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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…
2555.02% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 31.6% YoY.
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
Revenue (TTM)
$2M
▲ +31.6% YoY
Net Income (TTM)
$48M
▲ +18.0% YoY
Net Margin
2555.02%
P/E
—
Balance Sheet
Total Assets
$5.76B
Equity
$709M
Total Debt
$28M
Cash & Equiv.
$647M
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