Heritage Commerce (HTBK) Stock Price, News & Analysis

Company Overview

Heritage Commerce Corp is a bank holding company headquartered in San Jose, California. Through its principal subsidiary, Heritage Bank of Commerce, the company provides banking and financial services to businesses, professionals and individuals in the San Francisco Bay Area.

The bank offers commercial and residential real estate loans, commercial and industrial lending, construction financing, small business loans and consumer loans. Its deposit products include checking, savings, money market and time deposit accounts, while additional services include treasury management, online and mobile banking, cash management and other business banking solutions.

Heritage Bank of Commerce operates a community banking franchise serving customers in Silicon Valley and the East Bay, with a focus on relationship-based lending and personalized service. Heritage Commerce Corp’s history is rooted in the growth of Heritage Bank of Commerce, which was established in the 1990s to serve the banking needs of businesses and residents in its California markets.

Key Stats

• Today's Range: $13.45 to $13.45
• 50-Day Range: $13.45 to $13.45
• 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: $14.25
• Consensus Rating: Hold

Heritage Commerce Stock Analysis - MarketRank™

Heritage Commerce scored higher than 34% of companies evaluated by MarketBeat, and ranked 687th out of 856 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: 1.6 / 5
• Analyst Rating: Hold

Consensus Rating

Heritage Commerce has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on no strong buy ratings, 1 buy rating, 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 received no research coverage 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 27.05.

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 20.89.

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: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for HTBK.

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: 0.6 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Heritage Commerce this week, compared to 1 article on an average week.

Search Interest

1 people have searched for HTBK on MarketBeat in the last 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
• Today: 10/28/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• 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: $14.25
• High Price Target: $14.50
• Low Price Target: $14.00
• Potential Upside/Downside: +5.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 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