Do analysts rate XXI or HTBK?

Heritage Commerce has a consensus price target of $13.13, suggesting a potential downside of 2.42%. Given Heritage Commerce's stronger consensus rating and higher probable upside, analysts plainly believe Heritage Commerce is more favorable than Twenty One Capital. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Twenty One Capital 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 Heritage Commerce 0 Sell rating(s) 5 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.29

Which has higher valuation & earnings, HTBK or BKU?

BankUnited has higher revenue and earnings than Heritage Commerce. BankUnited is trading at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Heritage Commerce $197.46M 4.20 $47.83M $0.78 17.24 BankUnited $1.90B 1.68 $268.35M $3.65 12.25

Heritage Commerce (HTBK) Competitors

$13.45 0.00 (0.00%)

As of 09/18/2026

Compare

HTBK vs. XXI, BKU, FHB, CLBK, and PFS

Should you buy Heritage Commerce stock or one of its competitors? Heritage Commerce's main competitors and comparable companies include Twenty One Capital (XXI), BankUnited (BKU), First Hawaiian (FHB), Columbia Financial (CLBK), and Provident Financial Services (PFS). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Heritage Commerce compare to Twenty One Capital?

Twenty One Capital (NYSE:XXI) and Heritage Commerce (NASDAQ:HTBK) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, risk, profitability, media sentiment, analyst recommendations and institutional ownership.

Heritage Commerce has a net margin of 17.77% compared to Twenty One Capital's net margin of 0.00%. Heritage Commerce's return on equity of 8.07% beat Twenty One Capital's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Twenty One Capital	N/A	-11.98%	-10.06%
Heritage Commerce	17.77%	8.07%	1.01%

Heritage Commerce has higher revenue and earnings than Twenty One Capital. Twenty One Capital is trading at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Twenty One Capital	N/A	N/A	-$217.34M	-$0.20	N/A
Heritage Commerce	$197.46M	4.20	$47.83M	$0.78	17.24

Twenty One Capital has a beta of -1.25, indicating that its stock price is 225% less volatile than the broader market. Comparatively, Heritage Commerce has a beta of 0.69, indicating that its stock price is 31% less volatile than the broader market.

In the previous week, Twenty One Capital's average media sentiment score of 0.00 equaled Heritage Commerce'saverage media sentiment score.

Company	Overall Sentiment
Twenty One Capital	Neutral
Heritage Commerce	Neutral

75.6% of Heritage Commerce shares are owned by institutional investors. 2.7% of Heritage Commerce shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Heritage Commerce has a consensus price target of $13.13, suggesting a potential downside of 2.42%. Given Heritage Commerce's stronger consensus rating and higher probable upside, analysts plainly believe Heritage Commerce is more favorable than Twenty One Capital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Twenty One Capital	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
Heritage Commerce	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29

Summary

Heritage Commerce beats Twenty One Capital on 13 of the 13 factors compared between the two stocks.

How does Heritage Commerce compare to BankUnited?

Heritage Commerce (NASDAQ:HTBK) and BankUnited (NYSE:BKU) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, media sentiment, institutional ownership, risk, valuation, profitability and dividends.

Heritage Commerce presently has a consensus price target of $13.13, indicating a potential downside of 2.42%. BankUnited has a consensus price target of $51.55, indicating a potential upside of 15.27%. Given BankUnited's stronger consensus rating and higher possible upside, analysts plainly believe BankUnited is more favorable than Heritage Commerce.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heritage Commerce	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29
BankUnited	3 Sell rating(s)	4 Hold rating(s)	6 Buy rating(s)	1 Strong Buy rating(s)	2.36

Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 3.9%. BankUnited pays an annual dividend of $1.32 per share and has a dividend yield of 3.0%. Heritage Commerce pays out 66.7% of its earnings in the form of a dividend. BankUnited pays out 36.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BankUnited has raised its dividend for 4 consecutive years.

Heritage Commerce has a beta of 0.69, indicating that its share price is 31% less volatile than the broader market. Comparatively, BankUnited has a beta of 1.17, indicating that its share price is 17% more volatile than the broader market.

Heritage Commerce has a net margin of 17.77% compared to BankUnited's net margin of 14.76%. BankUnited's return on equity of 9.13% beat Heritage Commerce's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Heritage Commerce	17.77%	8.07%	1.01%
BankUnited	14.76%	9.13%	0.79%

75.6% of Heritage Commerce shares are held by institutional investors. Comparatively, 99.7% of BankUnited shares are held by institutional investors. 2.7% of Heritage Commerce shares are held by insiders. Comparatively, 1.0% of BankUnited shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

In the previous week, BankUnited had 7 more articles in the media than Heritage Commerce. MarketBeat recorded 7 mentions for BankUnited and 0 mentions for Heritage Commerce. BankUnited's average media sentiment score of 0.33 beat Heritage Commerce's score of 0.00 indicating that BankUnited is being referred to more favorably in the news media.

Company	Overall Sentiment
Heritage Commerce	Neutral
BankUnited	Neutral

BankUnited has higher revenue and earnings than Heritage Commerce. BankUnited is trading at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heritage Commerce	$197.46M	4.20	$47.83M	$0.78	17.24
BankUnited	$1.90B	1.68	$268.35M	$3.65	12.25

Summary

BankUnited beats Heritage Commerce on 14 of the 20 factors compared between the two stocks.

How does Heritage Commerce compare to First Hawaiian?

First Hawaiian (NASDAQ:FHB) and Heritage Commerce (NASDAQ:HTBK) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, profitability, dividends, risk, analyst recommendations and media sentiment.

First Hawaiian has a beta of 0.72, indicating that its stock price is 28% less volatile than the broader market. Comparatively, Heritage Commerce has a beta of 0.69, indicating that its stock price is 31% less volatile than the broader market.

First Hawaiian has a net margin of 24.41% compared to Heritage Commerce's net margin of 17.77%. First Hawaiian's return on equity of 10.27% beat Heritage Commerce's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Hawaiian	24.41%	10.27%	1.19%
Heritage Commerce	17.77%	8.07%	1.01%

First Hawaiian pays an annual dividend of $1.04 per share and has a dividend yield of 4.0%. Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 3.9%. First Hawaiian pays out 45.2% of its earnings in the form of a dividend. Heritage Commerce pays out 66.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Hawaiian is clearly the better dividend stock, given its higher yield and lower payout ratio.

In the previous week, First Hawaiian had 4 more articles in the media than Heritage Commerce. MarketBeat recorded 4 mentions for First Hawaiian and 0 mentions for Heritage Commerce. First Hawaiian's average media sentiment score of 0.41 beat Heritage Commerce's score of 0.00 indicating that First Hawaiian is being referred to more favorably in the media.

Company	Overall Sentiment
First Hawaiian	Neutral
Heritage Commerce	Neutral

First Hawaiian has higher revenue and earnings than Heritage Commerce. First Hawaiian is trading at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Hawaiian	$1.17B	2.68	$276.27M	$2.30	11.20
Heritage Commerce	$197.46M	4.20	$47.83M	$0.78	17.24

97.6% of First Hawaiian shares are owned by institutional investors. Comparatively, 75.6% of Heritage Commerce shares are owned by institutional investors. 0.7% of First Hawaiian shares are owned by insiders. Comparatively, 2.7% of Heritage Commerce shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

First Hawaiian currently has a consensus price target of $30.25, suggesting a potential upside of 17.43%. Heritage Commerce has a consensus price target of $13.13, suggesting a potential downside of 2.42%. Given First Hawaiian's higher possible upside, equities research analysts clearly believe First Hawaiian is more favorable than Heritage Commerce.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Hawaiian	3 Sell rating(s)	6 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	1.91
Heritage Commerce	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29

Summary

First Hawaiian beats Heritage Commerce on 13 of the 17 factors compared between the two stocks.

How does Heritage Commerce compare to Columbia Financial?

Heritage Commerce (NASDAQ:HTBK) and Columbia Financial (NASDAQ:CLBK) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, earnings, profitability, media sentiment, dividends, analyst recommendations, risk and institutional ownership.

Columbia Financial has higher revenue and earnings than Heritage Commerce. Heritage Commerce is trading at a lower price-to-earnings ratio than Columbia Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heritage Commerce	$197.46M	4.20	$47.83M	$0.78	17.24
Columbia Financial	$508.02M	6.14	$51.77M	$0.34	34.06

Heritage Commerce presently has a consensus price target of $13.13, suggesting a potential downside of 2.42%. Columbia Financial has a consensus price target of $15.10, suggesting a potential upside of 30.40%. Given Columbia Financial's stronger consensus rating and higher possible upside, analysts plainly believe Columbia Financial is more favorable than Heritage Commerce.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heritage Commerce	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29
Columbia Financial	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

75.6% of Heritage Commerce shares are held by institutional investors. Comparatively, 12.7% of Columbia Financial shares are held by institutional investors. 2.7% of Heritage Commerce shares are held by company insiders. Comparatively, 3.5% of Columbia Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Heritage Commerce has a net margin of 17.77% compared to Columbia Financial's net margin of 11.19%. Heritage Commerce's return on equity of 8.07% beat Columbia Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Heritage Commerce	17.77%	8.07%	1.01%
Columbia Financial	11.19%	5.29%	0.56%

Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 3.9%. Columbia Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. Heritage Commerce pays out 66.7% of its earnings in the form of a dividend. Columbia Financial pays out 58.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

In the previous week, Heritage Commerce's average media sentiment score of 0.00 equaled Columbia Financial'saverage media sentiment score.

Company	Overall Sentiment
Heritage Commerce	Neutral
Columbia Financial	Neutral

Heritage Commerce has a beta of 0.69, meaning that its share price is 31% less volatile than the broader market. Comparatively, Columbia Financial has a beta of 0.24, meaning that its share price is 76% less volatile than the broader market.

Summary

Columbia Financial beats Heritage Commerce on 9 of the 16 factors compared between the two stocks.

How does Heritage Commerce compare to Provident Financial Services?

Heritage Commerce (NASDAQ:HTBK) and Provident Financial Services (NYSE:PFS) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, analyst recommendations, risk, media sentiment, institutional ownership, dividends, valuation and earnings.

Provident Financial Services has a net margin of 22.15% compared to Heritage Commerce's net margin of 17.77%. Provident Financial Services' return on equity of 11.00% beat Heritage Commerce's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Heritage Commerce	17.77%	8.07%	1.01%
Provident Financial Services	22.15%	11.00%	1.24%

In the previous week, Provident Financial Services had 7 more articles in the media than Heritage Commerce. MarketBeat recorded 7 mentions for Provident Financial Services and 0 mentions for Heritage Commerce. Provident Financial Services' average media sentiment score of 0.55 beat Heritage Commerce's score of 0.00 indicating that Provident Financial Services is being referred to more favorably in the news media.

Company	Overall Sentiment
Heritage Commerce	Neutral
Provident Financial Services	Positive

Heritage Commerce has a beta of 0.69, meaning that its stock price is 31% less volatile than the broader market. Comparatively, Provident Financial Services has a beta of 0.77, meaning that its stock price is 23% less volatile than the broader market.

Heritage Commerce currently has a consensus price target of $13.13, indicating a potential downside of 2.42%. Provident Financial Services has a consensus price target of $26.79, indicating a potential upside of 16.23%. Given Provident Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe Provident Financial Services is more favorable than Heritage Commerce.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heritage Commerce	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29
Provident Financial Services	0 Sell rating(s)	3 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	2.75

75.6% of Heritage Commerce shares are held by institutional investors. Comparatively, 72.0% of Provident Financial Services shares are held by institutional investors. 2.7% of Heritage Commerce shares are held by insiders. Comparatively, 3.0% of Provident Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 3.9%. Provident Financial Services pays an annual dividend of $0.96 per share and has a dividend yield of 4.2%. Heritage Commerce pays out 66.7% of its earnings in the form of a dividend. Provident Financial Services pays out 40.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Provident Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

Provident Financial Services has higher revenue and earnings than Heritage Commerce. Provident Financial Services is trading at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heritage Commerce	$197.46M	4.20	$47.83M	$0.78	17.24
Provident Financial Services	$1.38B	2.17	$291.16M	$2.40	9.60

Summary

Provident Financial Services beats Heritage Commerce on 16 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding HTBK and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

HTBK vs. The Competition

Export

Metric	Heritage Commerce	Banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$828.43M	$23.56B	$13.82B	$13.19B
Dividend Yield	3.87%	3.07%	5.95%	12.81%
P/E Ratio	17.24	27.03	25.31	25.40
Price / Sales	4.20	9.32	511.07	89.45
Price / Cash	13.85	15.51	43.42	51.42
Price / Book	1.16	1.37	2.73	6.33
Net Income	$47.83M	$2.58B	$1.31B	$358.33M
7 Day Performance	N/A	-0.71%	-0.59%	1.12%
1 Month Performance	N/A	0.54%	0.16%	-2.39%
1 Year Performance	31.35%	22.23%	7.82%	5.35%

Heritage Commerce Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
HTBK Heritage Commerce	N/A	$13.45 flat	$13.13 -2.4%	N/A	$828.43M	$197.46M	17.24	330
XXI Twenty One Capital	0.209 of 5 stars	$5.87 -3.9%	N/A	N/A	$3.30B	N/A	N/A	N/A
BKU BankUnited	4.3031 of 5 stars	$45.61 -1.7%	$51.64 +13.2%	+14.9%	$3.25B	$1.90B	12.50	1,803
FHB First Hawaiian	3.6226 of 5 stars	$25.81 -1.0%	$30.25 +17.2%	+0.4%	$3.14B	$870.02M	11.22	2,000	Analyst Downgrade
CLBK Columbia Financial	3.9101 of 5 stars	$11.63 -0.6%	$15.10 +29.8%	-25.3%	$3.13B	$267.05M	34.67	750	Positive News

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This page (NASDAQ:HTBK) was last updated on 9/20/2026 by MarketBeat.com Staff.

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Heritage Commerce (HTBK) Competitors

HTBK vs. XXI, BKU, FHB, CLBK, and PFS

How does Heritage Commerce compare to Twenty One Capital?

Summary

How does Heritage Commerce compare to BankUnited?

Summary

How does Heritage Commerce compare to First Hawaiian?

Summary

How does Heritage Commerce compare to Columbia Financial?

Summary

How does Heritage Commerce compare to Provident Financial Services?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

HTBK vs. The Competition

Heritage Commerce Competitors List

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

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Terms & Info

Heritage Commerce (HTBK) Competitors

HTBK vs. XXI, BKU, FHB, CLBK, and PFS

How does Heritage Commerce compare to Twenty One Capital?

Is XXI or HTBK more profitable?

Which has better valuation and earnings, XXI or HTBK?

Which has more volatility and risk, XXI or HTBK?

Does the media favor XXI or HTBK?

Do insiders and institutionals hold more shares of XXI or HTBK?

Do analysts rate XXI or HTBK?

Summary

How does Heritage Commerce compare to BankUnited?

Do analysts recommend HTBK or BKU?

Is HTBK or BKU a better dividend stock?

Which has more volatility & risk, HTBK or BKU?

Is HTBK or BKU more profitable?

Do insiders and institutionals believe in HTBK or BKU?

Does the media prefer HTBK or BKU?

Which has higher valuation & earnings, HTBK or BKU?

Summary

How does Heritage Commerce compare to First Hawaiian?

Which has more risk & volatility, FHB or HTBK?

Is FHB or HTBK more profitable?

Is FHB or HTBK a better dividend stock?

Does the media favor FHB or HTBK?

Which has preferable valuation and earnings, FHB or HTBK?

Do institutionals and insiders believe in FHB or HTBK?

Do analysts recommend FHB or HTBK?

Summary

How does Heritage Commerce compare to Columbia Financial?

Which has stronger valuation and earnings, HTBK or CLBK?

Do analysts recommend HTBK or CLBK?

Do insiders and institutionals have more ownership in HTBK or CLBK?

Is HTBK or CLBK more profitable?

Is HTBK or CLBK a better dividend stock?

Does the media refer more to HTBK or CLBK?

Which has more risk & volatility, HTBK or CLBK?

Summary

How does Heritage Commerce compare to Provident Financial Services?

Is HTBK or PFS more profitable?

Does the media refer more to HTBK or PFS?

Which has more volatility and risk, HTBK or PFS?

Do analysts rate HTBK or PFS?

Do insiders & institutionals believe in HTBK or PFS?

Is HTBK or PFS a better dividend stock?

Which has better earnings & valuation, HTBK or PFS?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

HTBK vs. The Competition

Heritage Commerce Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools