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HTBK vs V

HTBK
Heritage Commerce Corp
BULLISH
Price
$13.37
Market Cap
$823.5M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HTBK
17.14
V
28.35
Forward P/E
HTBK
12.52
V
20.79
P/B Ratio
HTBK
1.16
V
15.09
P/S Ratio
HTBK
4.21
V
14.08
EV/EBITDA
HTBK
--
V
20.06

Profitability

Gross Margin
HTBK
0.0%
V
97.78%
Operating Margin
HTBK
45.34%
V
68.3%
Profit Margin
HTBK
24.45%
V
50.23%
ROE
HTBK
6.84%
V
53.95%
ROA
HTBK
0.84%
V
18.36%

Growth

Revenue Growth
HTBK
17.7%
V
14.6%
Earnings Growth
HTBK
45.2%
V
17.4%

Financial Health

Debt/Equity
HTBK
--
V
0.55
Current Ratio
HTBK
--
V
1.11
Quick Ratio
HTBK
--
V
0.72

Dividends

Dividend Yield
HTBK
3.89%
V
0.89%
Payout Ratio
HTBK
66.67%
V
22.91%

AI Verdict

HTBK BULLISH

HTBK presents a stable financial profile with a Piotroski F-Score of 4/9 and is currently undervalued relative to its Graham Number ($14.23) and Intrinsic Value ($23.01). The company exhibits exceptional earnings growth (45.2% YoY) and a consistent track record of beating quarterly estimates over the last 25 quarters. However, a severely bearish technical trend (10/100) and modest ROE (6.84%) suggest caution regarding short-term timing. Overall, the strong fundamental growth and valuation discount outweigh the current technical weakness.

Strengths
Significant undervaluation relative to Intrinsic Value ($23.01) and Graham Number ($14.23)
Exceptional YoY earnings growth of 45.20%
Strong earnings track record with 3/4 recent beats and consistent positive surprises
Risks
Severely bearish technical trend (10/100) indicating strong downward price momentum
Low Return on Equity (6.84%) compared to high-performing regional peers
Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HTBK vs V: Head-to-Head Comparison

This page compares Heritage Commerce Corp (HTBK) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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