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HTBK 
Heritage Commerce Corp (HTBK)
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Upturn Advisory Summary
12/26/2025: 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 $13
1 Year Target Price $13
| 3 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.71% | Avg. Invested days 33 | 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 12/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 769.11M USD | Price to earnings Ratio 17.91 | 1Y Target Price 13 |
Price to earnings Ratio 17.91 | 1Y Target Price 13 | ||
Volume (30-day avg) 6 | Beta 0.8 | 52 Weeks Range 7.77 - 12.89 | Updated Date 12/27/2025 |
52 Weeks Range 7.77 - 12.89 | Updated Date 12/27/2025 | ||
Dividends yield (FY) 4.14% | Basic EPS (TTM) 0.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 17.91 | Forward PE 11.05 | Enterprise Value 89172608 | Price to Sales(TTM) 4.1 |
Enterprise Value 89172608 | Price to Sales(TTM) 4.1 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA - | Shares Outstanding 61332457 | Shares Floating 59483643 |
Shares Outstanding 61332457 | Shares Floating 59483643 | ||
Percent Insiders 4.08 | Percent Institutions 80.46 |
Upturn AI SWOT
Heritage Commerce Corp
Company Overview
History and Background
Heritage Commerce Corp. was founded in 1915 as a community bank serving the San Francisco Bay Area. It has since grown through organic expansion and strategic acquisitions, evolving into a diversified financial services holding company. Key milestones include expanding into commercial lending, wealth management, and insurance services, as well as significant branch network growth.
Core Business Areas
- Community Banking: Provides a range of deposit and lending products and services to individuals and small to medium-sized businesses. This includes checking and savings accounts, commercial loans, real estate loans, and consumer loans.
- Commercial Real Estate Lending: Focuses on originating and servicing commercial real estate loans, primarily in California and other western states.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
- Insurance Services: Provides a variety of insurance products, including property, casualty, life, and health insurance, through its subsidiaries.
Leadership and Structure
Heritage Commerce Corp. is led by a Board of Directors and a management team that oversees its various subsidiaries and divisions. The company operates through its primary subsidiary, Heritage Bank of Commerce, and other affiliated entities.
Top Products and Market Share
Key Offerings
- Commercial Loans: A significant portion of Heritage Commerce Corp.'s lending portfolio consists of commercial loans, supporting business growth and operations. Competitors include large national banks, regional banks, and specialized commercial lenders.
- Deposit Accounts: Offers a variety of deposit products, including checking, savings, and money market accounts, which are core to its community banking model. Competitors range from large national banks to credit unions and online banks.
- Commercial Real Estate Financing: Specializes in financing commercial real estate properties, a key area of focus for the bank. Competitors include other regional banks with strong CRE portfolios and specialized CRE lenders.
Market Dynamics
Industry Overview
The banking and financial services industry in the US is highly competitive and subject to significant regulatory oversight. Key trends include digital transformation, increasing demand for personalized financial advice, and a focus on community engagement. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Heritage Commerce Corp. positions itself as a community-focused bank offering personalized service and a comprehensive suite of financial products. Its competitive advantages include deep local market knowledge, strong customer relationships, and a diversified business model.
Total Addressable Market (TAM)
The TAM for US banking services is vast, encompassing trillions of dollars in deposits and loans. Heritage Commerce Corp. focuses on specific geographic regions and business segments within this larger market, particularly serving small to medium-sized businesses and individuals in its core operating areas. Its positioning is within a niche of community banking and regional commercial lending.
Upturn SWOT Analysis
Strengths
- Strong community ties and loyal customer base
- Diversified revenue streams (banking, wealth management, insurance)
- Experienced management team with deep market knowledge
- Focus on relationship banking
Weaknesses
- Smaller scale compared to national and super-regional banks
- Potential for slower adoption of cutting-edge digital technologies
- Geographic concentration in California, subject to regional economic fluctuations
Opportunities
- Expansion into underserved markets
- Leveraging technology for enhanced customer experience and efficiency
- Strategic acquisitions to broaden service offerings or geographic reach
- Growing demand for wealth management services
Threats
- Intensified competition from fintech companies and larger financial institutions
- Changes in interest rate environments impacting net interest margins
- Economic downturns affecting loan portfolios
- Increasing regulatory compliance burdens
Competitors and Market Share
Key Competitors
- East West Bancorp (EWBC)
- Civic Financial Corp. (CFXC)
- PacWest Bancorp (PACW)
Competitive Landscape
Heritage Commerce Corp. competes with a wide range of financial institutions, from large national banks with extensive resources to smaller community banks and credit unions. Its advantages lie in its localized approach and specialized lending capabilities, while disadvantages can stem from its smaller scale and potentially less extensive digital offerings compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Heritage Commerce Corp. has experienced historical growth through a combination of organic expansion and strategic acquisitions, leading to an increase in its asset base, deposit volumes, and loan outstandings. Its revenue and earnings have generally trended upwards over the long term.
Future Projections: Future projections are typically based on analyst estimates that consider economic outlook, industry trends, and the company's strategic initiatives. These projections often focus on revenue growth, earnings per share (EPS) expansion, and asset growth.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms, expansion of commercial lending teams, and potentially exploring new service lines or geographic markets to drive future growth.
Summary
Heritage Commerce Corp. is a well-established community bank with a strong regional presence and a diversified financial services offering. Its focus on relationship banking and commercial lending in California provides a solid foundation. The company needs to remain agile in adapting to evolving digital banking trends and the competitive landscape to sustain its growth trajectory and mitigate threats from larger, more technologically advanced competitors.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial News Outlets
- Financial Data Aggregators
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is an estimation and may vary depending on the specific market segment and data source.
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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