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Upturn AI SWOT - About
HTBK 
Heritage Commerce Corp (HTBK)
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Upturn Advisory Summary
08/28/2025: 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 -16.8% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 636.59M USD | Price to earnings Ratio 16.4 | 1Y Target Price 11 |
Price to earnings Ratio 16.4 | 1Y Target Price 11 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 7.87 - 10.81 | Updated Date 08/29/2025 |
52 Weeks Range 7.87 - 10.81 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 5.02% | Basic EPS (TTM) 0.63 |
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 16.4 | Forward PE 11.05 | Enterprise Value -17841938 | Price to Sales(TTM) 3.53 |
Enterprise Value -17841938 | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA - | Shares Outstanding 61446800 | Shares Floating 58777516 |
Shares Outstanding 61446800 | Shares Floating 58777516 | ||
Percent Insiders 4.07 | Percent Institutions 79.84 |
Upturn AI SWOT
Heritage Commerce Corp
Company Overview
History and Background
Heritage Commerce Corp, established in 1998, is a bank holding company headquartered in San Jose, California. It operates through its subsidiary, Heritage Bank of Commerce, providing commercial banking services to businesses and individuals in the Bay Area.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, lines of credit, and deposit accounts.
- Real Estate Lending: Provides commercial real estate loans for various property types.
- Small Business Banking: Offers specialized banking services tailored to small businesses, including SBA loans.
- Personal Banking: Provides personal banking services, including checking, savings, and personal loans.
Leadership and Structure
Walter T. Kaczmarek is the President and Chief Executive Officer. The company has a board of directors that oversees the strategic direction and governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant part of Heritage Commerce Corp's portfolio, catering to businesses in the Bay Area. While specific market share data is unavailable, competition includes larger national banks and other regional players. Competitors include Wells Fargo (WFC), Bank of America (BAC), and First Republic Bank (FRC) (now acquired by JPMorgan Chase). Revenue data for this specific product is unavailable.
- Real Estate Lending: Heritage Commerce Corp. also participates in real estate loans but the market data for this specific product is unavailable. Competitors include Wells Fargo (WFC), Bank of America (BAC), and JPMorgan Chase (JPM). Revenue data for this specific product is unavailable.
- Small Business Administration (SBA) Loans: Offers SBA loans to small businesses. Market share for this product is unavailable. The top SBA lenders include Live Oak Bank, Huntington National Bank and U.S. Bank. Revenue data for this specific product is unavailable.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Economic conditions, interest rates, and credit quality significantly impact performance.
Positioning
Heritage Commerce Corp focuses on serving businesses and individuals in the Bay Area, differentiating itself through local expertise and personalized service. Competitors are larger national and regional banks.
Total Addressable Market (TAM)
The TAM for commercial banking in the Bay Area is substantial, driven by the region's strong economy and business activity. Heritage Commerce Corp captures a portion of this TAM through its lending and deposit services. TAM estimated to be hundreds of billions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Bay Area
- Focus on commercial banking
- Experienced management team
- Relationship-based banking approach
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Dependence on local economy
- Higher cost structure
Opportunities
- Expansion within the Bay Area
- Increased adoption of digital banking
- Growing demand for commercial loans
- Acquisition opportunities
Threats
- Increased competition from larger banks
- Economic downturns in the Bay Area
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
- USB
Competitive Landscape
Heritage Commerce Corp competes with larger banks and smaller regional players. Its advantage lies in its local focus and personalized service, while its disadvantage is its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analyzing past financial performance. It involves examining revenue growth, asset growth, and profitability trends.
Future Projections: Future projections require analyst estimates. These estimates are typically based on industry trends, company performance, and management guidance.
Recent Initiatives: Recent initiatives would involve tracking company announcements, strategic partnerships, and new product launches.
Summary
Heritage Commerce Corp is a regional bank with a solid presence in the Bay Area. Its focus on commercial banking and relationship-based approach are strengths. However, it faces competition from larger banks and is vulnerable to economic downturns in the region. The company needs to continue to innovate and expand its services to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Third-party financial data providers.
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share and financial data may be estimates.
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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