Heritage Commerce (HTBK) Stock Price, News & Analysis

Company Overview

Heritage Commerce Corporation, headquartered in Farmington Hills, Michigan, is the bank holding company for Heritage Bank, N.A., a community-oriented financial institution. Traded on NASDAQ under the symbol HTBK, the company focuses on delivering tailored banking services to businesses, professionals and individuals throughout Southeastern Michigan.

Heritage Bank, N.A. offers a comprehensive portfolio of deposit and lending products designed to meet the needs of commercial and consumer clients. Deposit offerings include checking, savings, money market and certificate of deposit accounts. On the lending side, the bank provides commercial real estate, construction, equipment financing, agriculture and industrial loans, as well as consumer installment loans and residential mortgage products. Complementing its core banking services, Heritage Bank delivers treasury and cash management solutions, online and mobile banking platforms, and wealth management advisory services.

With a network of branches serving Wayne, Oakland, Macomb and adjacent counties, Heritage Commerce emphasizes relationship-based banking and local decision-making. The company’s management team draws on decades of regional experience to support small and medium-sized enterprises, while also reinvesting in community development and economic growth initiatives across its markets.

Key Stats

• Today's Range: $13.45 to $13.45
• 50-Day Range: $12.01 to $13.50
• 52-Week Range: $8.73 to $13.83
• Volume: N/A
• Average Volume: 585,132 shs
• Market Capitalization: $828.43 million
• P/E Ratio: 17.24
• Dividend Yield: 3.87%
• Price Target: $13.13
• Consensus Rating: Hold

Heritage Commerce Stock Analysis - MarketRank™

Heritage Commerce scored higher than 56% of companies evaluated by MarketBeat, and ranked 541st out of 876 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Hold

Consensus Rating

Heritage Commerce has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on no strong buy ratings, 2 buy ratings, 5 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Heritage Commerce is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Heritage Commerce has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.19%

Earnings Growth

Earnings for Heritage Commerce are expected to grow by 6.19% in the coming year, from $0.97 to $1.03 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heritage Commerce is 17.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heritage Commerce is 17.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.71.

Price to Book Value per Share Ratio

Heritage Commerce has a P/B Ratio of 1.16. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.93% of the float of Heritage Commerce has been sold short.

Short Interest Ratio / Days to Cover

Heritage Commerce has a short interest ratio ("days to cover") of 2.82, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Heritage Commerce has recently decreased by 17.72%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Heritage Commerce is a leading dividend payer. It pays a dividend yield of 3.87%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Heritage Commerce does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Heritage Commerce is 66.67%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Heritage Commerce will have a dividend payout ratio of 50.49% next year. This indicates that Heritage Commerce will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.45

News Sentiment

Heritage Commerce has a news sentiment score of 0.45. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Heritage Commerce this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for HTBK on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Heritage Commerce insiders have not sold or bought any company stock.

Percentage Held by Insiders

2.71% of the stock of Heritage Commerce is held by insiders.

Percentage Held by Institutions

75.55% of the stock of Heritage Commerce is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 1/22/2026
• Record date for 2/19 Dividend: 2/05/2026
• Ex-Dividend for 2/19 Dividend: 2/05/2026
• Dividend Payable: 2/19/2026
• Record date for 4/8 Dividend: 3/25/2026
• Ex-Dividend for 4/8 Dividend: 3/25/2026
• Dividend Payable: 4/08/2026
• Today: 5/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:HTBK
• CIK: 1053352
• Web: www.heritagecommercecorp.com
• Phone: (408) 947-6900
• Fax: 408-947-6910
• Employees: 330
• Year Founded: 1994

Price Target and Rating

• Average Price Target for Heritage Commerce: $13.13
• High Price Target: $14.50
• Low Price Target: $12.00
• Potential Upside/Downside: -2.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.78
• Trailing P/E Ratio: 17.24
• Forward P/E Ratio: 13.87
• P/E Growth: N/A
• Net Income: $47.83 million
• Net Margins: 17.77%
• Pretax Margin: 25.19%
• Return on Equity: 8.07%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.74
• Quick Ratio: 0.74

Sales & Book Value

• Annual Sales: $197.46 million
• Price / Sales: 4.20
• Cash Flow: $0.97 per share
• Price / Cash Flow: 13.85
• Book Value: $11.56 per share
• Price / Book: 1.16

Miscellaneous

• Outstanding Shares: 61,593,000
• Free Float: 59,924,000
• Market Cap: $828.43 million
• Optionable: Optionable
• Beta: 0.69