HTBK
BULLISH
$13.37
Live
Heritage Commerce Corp · NASDAQ
Target $14.5
(+8.5%)
$8.17
52W Range
$13.83
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$823.5M
P/E
17.14
ROE
6.8%
Profit margin
24.4%
Debt/Equity
N/A
Dividend yield
3.89%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
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.
Key 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
Healthy revenue growth (17.70% YoY) indicating expanding top-line scale
Attractive dividend yield of 3.89% with a sustainable payout ratio (66.67%)
Key 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'
Low ROA (0.84%) suggests inefficient asset utilization
Neutral insider sentiment with zero buying activity in the last 6 months
AI Fair Value Estimate
Based on comprehensive analysis
$16.85
+26.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
76
Strong
85
90
88
50
65
AI Verdict
Strong Value/Growth Play with Technical Headwinds
Key drivers: Earnings acceleration, Price-to-Book discount, Consistent EPS beats
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Price ($13.37) is below Graham Number ($14.23)
- Price is significantly below Intrinsic Value ($23.01)
- P/B ratio of 1.16 is reasonable for the sector
Watchpoints
- P/E of 17.14 is slightly high for a low-ROE bank
Future
90/100
Ref Growth rates
Positives
- 45.2% YoY Earnings Growth
- 17.7% YoY Revenue Growth
- Forward P/E (12.52) is lower than trailing P/E
Watchpoints
- Regional bank sector sensitivity to interest rate volatility
Past
88/100
Ref Historical trends
Positives
- Consistent earnings beats over 25 quarters
- Strong 1Y price performance (+72.2%)
Watchpoints
- Recent short-term technical breakdown
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
- Low ROE (6.84%)
- Low ROA (0.84%)
Dividend
65/100
Ref Yield, Payout
Positives
- Yield of 3.89% is competitive
Watchpoints
- Payout ratio of 66.67% limits aggressive dividend growth
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.37
Analyst Target
$14.5
Upside/Downside
+8.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HTBK and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HTBK
Heritage Commerce Corp
Primary
|
+39.7% | +91.7% | +72.2% | +45.8% | +11.2% | +5.0% |
|
FMNB
Farmers National Banc Corp.
Peer
|
+4.5% | +34.2% | +17.1% | +1.9% | +11.8% | +4.0% |
|
CAC
Camden National Corporation
Peer
|
+26.6% | +61.2% | +40.7% | +29.9% | +7.1% | +3.4% |
|
HAFC
Hanmi Financial Corporation
Peer
|
+73.0% | +81.2% | +42.6% | +19.9% | +11.2% | +5.8% |
|
AIO
Virtus Artificial Intelligence & Technology Opportunities Fund
Peer
|
+44.0% | +81.7% | +1.9% | +0.2% | +2.7% | -1.4% |
HTB
Heritage Commerce Corp
Primary
5Y
+39.7%
3Y
+91.7%
1Y
+72.2%
6M
+45.8%
1M
+11.2%
1W
+5.0%
FMN
Farmers National Banc Corp.
Peer
5Y
+4.5%
3Y
+34.2%
1Y
+17.1%
6M
+1.9%
1M
+11.8%
1W
+4.0%
CAC
Camden National Corporation
Peer
5Y
+26.6%
3Y
+61.2%
1Y
+40.7%
6M
+29.9%
1M
+7.1%
1W
+3.4%
HAF
Hanmi Financial Corporation
Peer
5Y
+73.0%
3Y
+81.2%
1Y
+42.6%
6M
+19.9%
1M
+11.2%
1W
+5.8%
AIO
Virtus Artificial Intelligence & Technology Opportunities Fund
Peer
5Y
+44.0%
3Y
+81.7%
1Y
+1.9%
6M
+0.2%
1M
+2.7%
1W
-1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
17.14
Forward P/E
12.52
PEG Ratio
N/A
P/B Ratio
1.16
P/S Ratio
4.21
EV/Revenue
1.25
EV/EBITDA
N/A
Market Cap
$823.5M
Profitability
Profit margins and return metrics
Profit Margin
24.45%
Operating Margin
45.34%
Gross Margin
N/A
ROE
6.84%
ROA
0.84%
Growth
Revenue and earnings growth rates
Revenue Growth
+17.7%
Earnings Growth
+45.2%
Q/Q Revenue Growth
+15.76%
Q/Q Earnings Growth
+42.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.51
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
26.7%
Total Assets
$5.8B
Liabilities
$5.1B
Equity
$0.7B
Debt/Equity
7.14x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$0.28
+20.4% surprise
2025-10-23
$0.24
+14.3% surprise
2025-07-24
$0.21
+10.5% surprise
Financial Services Sector Comparison
Comparing HTBK against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
17.14
This Stock
vs
54.09
Sector Avg
-68.3%
(Discount)
Return on Equity (ROE)
6.84%
This Stock
vs
-0.66%
Sector Avg
-1134.4%
(Below Avg)
Profit Margin
24.45%
This Stock
vs
63.27%
Sector Avg
-61.4%
(Weaker)
Revenue Growth
17.7%
This Stock
vs
44.9%
Sector Avg
-60.6%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HTBK
Heritage Commerce Corp
|
BULLISH | $823.5M | 17.14 | 6.8% | 24.4% | $13.37 | |
|
FMNB
Farmers National Banc Corp.
|
BULLISH | $823.88M | 9.61 | 12.2% | 30.1% | $13.94 | Compare |
|
CAC
Camden National Corporation
|
BULLISH | $833.02M | 12.78 | 10.6% | 27.9% | $49.07 | Compare |
|
HAFC
Hanmi Financial Corporation
|
BULLISH | $838.75M | 11.16 | 10.0% | 29.8% | $28.0 | Compare |
|
AIO
Virtus Artificial...
|
BEARISH | $778.13M | 5.36 | -% | -% | $22.6 | Compare |
HTBK
Heritage Commerce Corp
BULLISH
Mkt Cap
$824M
P/E
17.1
ROE
6.8%
Price
$13.37
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-10 | EDMONDS-WATERS CHRISTOPHER D | Officer | Stock Award | 139 | - |
| 2026-03-10 | EDMONDS-WATERS CHRISTOPHER D | Officer | Stock Award | 2,796 | - |
| 2026-03-10 | JONES ROBERTSON CLAY JR | Chief Executive Officer | Stock Award | 501 | - |
| 2026-03-10 | JONES ROBERTSON CLAY JR | Chief Executive Officer | Stock Award | 9,897 | - |
| 2026-03-10 | SABNANI JANISHA | General Counsel | Stock Award | 146 | - |
| 2026-03-10 | SABNANI JANISHA | General Counsel | Stock Award | 2,919 | - |
| 2026-03-06 | JONES ROBERTSON CLAY JR | Chief Executive Officer | Stock Award | 1,427 | - |
| 2026-03-06 | JONES ROBERTSON CLAY JR | Chief Executive Officer | Stock Award | 13,212 | - |
| 2026-03-05 | CONNER JACK W | Director | Stock Award | 4,022 | - |
| 2026-03-05 | CABRAL BRUCE H | Director | Stock Award | 4,022 | - |
| 2026-03-05 | HUSAIN KAMRAN F | Director | Stock Award | 4,022 | - |
| 2026-03-05 | ABATE CHRISTOPHER J | Director | Stock Award | 4,022 | - |
| 2026-03-05 | BIAGINI KOMAS JULIANNE M | Director | Stock Award | 6,838 | - |
| 2026-03-05 | HEITEL STEPHEN G. | Director | Stock Award | 4,022 | - |
| 2026-03-05 | JONES ROBERTSON CLAY JR | Chief Executive Officer | Option Exercise | 49,399 | $530,545 |
EDMONDS-WATERS CHRISTOPHER D
Officer
2026-03-10
139 shares
EDMONDS-WATERS CHRISTOPHER D
Officer
2026-03-10
2,796 shares
JONES ROBERTSON CLAY JR
Chief Executive Officer
2026-03-10
501 shares
JONES ROBERTSON CLAY JR
Chief Executive Officer
2026-03-10
9,897 shares
SABNANI JANISHA
General Counsel
2026-03-10
146 shares
SABNANI JANISHA
General Counsel
2026-03-10
2,919 shares
JONES ROBERTSON CLAY JR
Chief Executive Officer
2026-03-06
1,427 shares
JONES ROBERTSON CLAY JR
Chief Executive Officer
2026-03-06
13,212 shares
CONNER JACK W
Director
2026-03-05
4,022 shares
CABRAL BRUCE H
Director
2026-03-05
4,022 shares
HUSAIN KAMRAN F
Director
2026-03-05
4,022 shares
ABATE CHRISTOPHER J
Director
2026-03-05
4,022 shares
BIAGINI KOMAS JULIANNE M
Director
2026-03-05
6,838 shares
HEITEL STEPHEN G.
Director
2026-03-05
4,022 shares
JONES ROBERTSON CLAY JR
Chief Executive Officer
2026-03-05
49,399 shares
·
$530,545
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
3 analysts
DA Davidson
2026-02-04
Neutral
Neutral
Raymond James
2026-01-07
Outperform
Market Perform
Stephens & Co.
2026-01-05
Overweight
Equal-Weight
Janney Montgomery Scott
2025-12-22
Buy
Neutral
DA Davidson
2025-12-18
Buy
Neutral
DA Davidson
2025-10-28
Buy
Buy
Piper Sandler
2025-10-27
Overweight
Overweight
Stephens & Co.
2025-10-27
Overweight
Overweight
Past News Coverage
Recent headlines mentioning HTBK from our newsroom.
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