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Upturn AI SWOT - About
HTBK 
Heritage Commerce Corp (HTBK)
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Upturn Advisory Summary
11/05/2025: HTBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.83
1 Year Target Price $11.83
| 3 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.95% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 663.02M USD | Price to earnings Ratio 15.46 | 1Y Target Price 11.83 |
Price to earnings Ratio 15.46 | 1Y Target Price 11.83 | ||
Volume (30-day avg) 6 | Beta 0.8 | 52 Weeks Range 7.87 - 10.89 | Updated Date 11/5/2025 |
52 Weeks Range 7.87 - 10.89 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 4.90% | Basic EPS (TTM) 0.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.21 | Actual 0.24 |
Profitability
Profit Margin 23.09% | Operating Margin (TTM) 41.47% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.26% |
Valuation
Trailing PE 15.46 | Forward PE 11.05 | Enterprise Value 660347968 | Price to Sales(TTM) 3.53 |
Enterprise Value 660347968 | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 61277541 | Shares Floating 58622385 |
Shares Outstanding 61277541 | Shares Floating 58622385 | ||
Percent Insiders 4.07 | Percent Institutions 80.76 |
Upturn AI SWOT
Heritage Commerce Corp
Company Overview
History and Background
Heritage Commerce Corp, founded in 1998, is a bank holding company headquartered in San Jose, California. It was formed to provide community banking services in the San Francisco Bay Area and has grown through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, deposit accounts, and cash management to small and medium-sized businesses.
- Real Estate Lending: Provides financing for commercial real estate projects, including construction, acquisition, and refinancing.
- Personal Banking: Offers personal banking products and services such as checking accounts, savings accounts, and personal loans.
Leadership and Structure
Walter Kaczmarek serves as the President and CEO. The company operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and SBA loans to businesses. Market share data is not readily available, but it competes with larger regional and national banks like Wells Fargo and Bank of America in the Bay Area.
- Commercial Real Estate Loans: Offers financing for various commercial real estate projects. Market share data is not easily accessible. Competitors include larger banks and specialized real estate lenders.
- Deposit Accounts: Includes checking, savings, and money market accounts for businesses and individuals. Attracts customers from regional competitors.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and technological disruption, while benefiting from potentially rising interest rates. Profitability hinges on efficient operations, strong credit quality, and customer acquisition.
Positioning
Heritage Commerce Corp. positions itself as a community bank with a focus on personalized service and local relationships. This allows it to differentiate itself from larger national banks. It has a strong foothold in the Silicon Valley region.
Total Addressable Market (TAM)
The TAM for commercial banking in the Bay Area is estimated to be in the billions of dollars annually. Heritage Commerce Corp is positioned to capture a portion of this market by focusing on small to medium-sized businesses, with a differentiated strategy
Upturn SWOT Analysis
Strengths
- Strong local presence in the Bay Area
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on the Bay Area economy
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets within California
- Increased demand for commercial loans
- Acquisition of smaller banks
- Growth in digital banking services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Bay Area
- Rising interest rates impacting loan demand
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- WFC
- BAC
- CMA
Competitive Landscape
Heritage Commerce Corp's advantage lies in its local expertise and relationship-based banking. Its disadvantage is its smaller scale compared to national giants.
Major Acquisitions
Focus Business Bank
- Year: 2018
- Acquisition Price (USD millions): 61.5
- Strategic Rationale: Expanded market presence and customer base in the East Bay area.
Growth Trajectory and Initiatives
Historical Growth: Heritage Commerce Corp has experienced steady growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings per share over the next few years, driven by increased loan demand and efficiency improvements.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within California.
Summary
Heritage Commerce Corp is a fundamentally sound community bank that benefits from a strong presence in the Bay Area. The company's financial performance has been improving steadily. It faces risks from larger competitors and economic conditions, but its focus on relationship banking provides a competitive edge. HTBK should prioritize diversification of services and improving its overall brand reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on thorough due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Heritage Commerce Corp
Exchange NASDAQ | Headquaters San Jose, CA, United States | ||
IPO Launch date 1998-07-30 | President, CEO & Director Mr. Robertson Jones Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 350 | |
Full time employees 350 | |||
Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. Its deposit products for business banking and retail markets include interest and non-interest-bearing demand, savings, and money market accounts, as well as certificates of deposit and time deposits. The company provides commercial loans for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial and construction loans; small business administration loans; home equity lines of credit; multifamily loans on residential properties; residential mortgage loans; and consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes. In addition, the company offers other banking services, including cashier's checks, bank by mail, night depositories, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, online bill pay, homeowner association, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services, as well as other customary banking, factoring financing, and electronic banking services. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California.
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