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Upturn AI SWOT - About
HTBK 
Heritage Commerce Corp (HTBK)
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Upturn Advisory Summary
09/15/2025: 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
1 Year Target Price $11
| 3 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.21% | Avg. Invested days 31 | 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 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 624.30M USD | Price to earnings Ratio 16.23 | 1Y Target Price 11 |
Price to earnings Ratio 16.23 | 1Y Target Price 11 | ||
Volume (30-day avg) 6 | Beta 0.84 | 52 Weeks Range 7.87 - 10.81 | Updated Date 09/15/2025 |
52 Weeks Range 7.87 - 10.81 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 5.12% | Basic EPS (TTM) 0.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.74% | Operating Margin (TTM) 18.9% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 5.7% |
Valuation
Trailing PE 16.23 | Forward PE 11.05 | Enterprise Value -34432564 | Price to Sales(TTM) 3.47 |
Enterprise Value -34432564 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 3.64 | Enterprise Value to EBITDA - | Shares Outstanding 61446800 | Shares Floating 58784275 |
Shares Outstanding 61446800 | Shares Floating 58784275 | ||
Percent Insiders 4.06 | Percent Institutions 79.81 |
Upturn AI SWOT
Heritage Commerce Corp
Company Overview
History and Background
Heritage Commerce Corp was founded in 1998 and is headquartered in San Jose, California. It has grown through organic expansion and strategic acquisitions, focusing on serving small to medium-sized businesses in the San Francisco Bay Area.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial real estate lending, commercial and industrial lending, and SBA lending.
- Retail Banking: Offers retail banking services such as checking accounts, savings accounts, and personal loans.
- Wealth Management: Provides wealth management services to individuals and businesses.
Leadership and Structure
Walter T. Kaczmarek serves as President and CEO. The company operates with a board of directors overseeing its strategic direction and management team responsible for day-to-day operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers loans secured by commercial properties. Market share data is difficult to pinpoint exactly but competes with other regional banks. Competitors include large national banks like Wells Fargo and Bank of America and other regional banks like First Republic Bank (acquired by JPMorgan Chase). Revenue data isn't publicly available on a per-product basis.
- Commercial and Industrial (C&I) Loans: Provides loans to businesses for working capital, equipment purchases, and other business needs. Competition includes national banks and other regional banks. Revenue data isn't publicly available on a per-product basis.
- SBA Loans: Helps small businesses obtain financing through SBA guaranteed loan programs. Competitors include banks with dedicated SBA lending teams. Revenue data isn't publicly available on a per-product basis.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing competition from fintech companies, regulatory changes, and fluctuating interest rates. Regional banks face pressure to consolidate and innovate to remain competitive.
Positioning
Heritage Commerce Corp positions itself as a relationship-focused bank serving small to medium-sized businesses in the San Francisco Bay Area. Its competitive advantage lies in its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for commercial banking in the Bay Area is estimated in the billions, with Heritage Commerce Corp holding a small but significant percentage due to its regional focus.
Upturn SWOT Analysis
Strengths
- Strong presence in the San Francisco Bay Area
- Relationship-focused banking approach
- Experienced management team
- Focus on small and medium-sized businesses
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Susceptibility to regional economic downturns
- Heavy reliance on commercial real estate lending
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in the Bay Area
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
- C
- SFBC
Competitive Landscape
Heritage Commerce Corp competes with larger national banks and other regional banks. Its advantage lies in its local expertise and personalized service, but it faces challenges due to its smaller scale and limited geographic diversification.
Major Acquisitions
Focus Business Bank
- Year: 2017
- Acquisition Price (USD millions): 74.4
- Strategic Rationale: Expanded presence in the East Bay region of the San Francisco Bay Area.
Growth Trajectory and Initiatives
Historical Growth: Requires access to real-time data. Heritage Commerce Corp has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Requires access to real-time data and analyst estimates. Analysts expect continued growth, driven by the strong economy in the Bay Area.
Recent Initiatives: Focus on digital banking, expansion of wealth management services, and investments in technology.
Summary
Heritage Commerce Corp is a regional bank focused on the San Francisco Bay Area. It benefits from a strong local economy and relationship-focused banking. The company faces challenges from larger competitors and potential economic downturns. Future growth will depend on its ability to innovate and expand its services. HTBK needs to consider increased competition from online and Fintech banking platforms.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and limited data. It is not financial advice. Market share data is estimated and may not be precise. Real time financials not included.
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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