Heritage Commerce Corp Quality Score

HTBK

⊜ Compare

Quality45

Growth is the primary weakness (avg 25/100). Business quality is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Valuation

Growth

Revenue Growth

0/100

-21.5%

Below 2%, essentially flat

Book Value Growth

50/100

3.5%

2–5%, modest book growth

Business Quality & Capital Allocation

Share Dilution

60/100

1.0%

Mild dilution under 2%

Return on Equity

60/100

6.8%

5–10%, adequate but not exceptional

Capital Adequacy

100/100

12.3%

12.3% equity/assets, well-capitalized

Margin Trend

100/100

+837.0pp

Net margin expanded 3+pp, strong improvement

SourceQuality score computed 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. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

State Commercial Banks · Pick stocks to compare with HTBK

CompareIntrinsic value

BWFGBankwell Financial Group Inc.

$73.27+2.22%72

MVBFMVB Financial Corp.

$25.93+2.49%71

BFSTBusiness First Bancshares, Inc.

$32.98+2.23%62

PCBPCB Bancorp

$30.95+1.08%86

AUBNAuburn National Bancorporation Inc.

$25.90+2.86%76

OPBKOP Bancorp

$15.40+1.72%79

NWPPNew Peoples Bankshares Inc.

$4.93+0.00%80

BOTJBank of the James Financial Group, Inc.

$24.18+1.15%78

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.

2 of 2 free stocks used today

Keep analysing HTBK

Create a free account and get 14 days of Premium: every stock and every tool.

Unlimited stocksQuality, fair value and dividends for 10,000+ stocks
Stock screenerFilter on quality, valuation and dividend safety
Portfolio trackerReal return, dividend calendar and portfolio quality
Editable DCFChange the assumptions and watch fair value move
Compare side by sideUp to 10 stocks in one table
Unlimited alertsPrice, P/E, Quality Score and yield

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.