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Heritage Commerce Corp(HTBK)Earnings, Financials & Key Ratios
HTBK•NASDAQ•Banking & Credit
17.2× P/E·Price updated Jun 8, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutHeritage 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's loan portfolio comprises commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; 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, it 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. The company operates through 17 full-service branch offices located in the general San Francisco Bay Area of California. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California.Show more
- Net Interest Income$185M+13.3%
- Total Revenue$266M+5.8%
- Net Income$48M+18.0%
- Return on Equity6.84%+15.0%
- Net Interest Margin3.22%+10.9%
- Efficiency Ratio47.2%+4.5%
- ROA0.84%+12.1%
- Equity / Assets12.29%+0.6%
- Book Value per Share11.48+2.4%
HTBK Key Insights
Heritage Commerce Corp (HTBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 47.2% efficiency ratio
- ✓Well capitalized: 12.3% equity/assets
- ✓Healthy dividend yield of 3.8%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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HTBK Price & Volume
Heritage Commerce Corp (HTBK) stock price & volume — 10-year historical chart
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HTBK Growth Metrics
Heritage Commerce Corp (HTBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.74%
5 Years10.66%
3 Years10.19%
TTM-
Profit CAGR
10 Years11.23%
5 Years6.26%
3 Years-10.43%
TTM18.02%
EPS CAGR
10 Years4.97%
5 Years5.74%
3 Years-10.56%
TTM18.18%
Return on Capital
10 Years11.47%
5 Years9.43%
3 Years7.41%
Last Year3.13%
HTBK Recent Earnings
Heritage Commerce Corp (HTBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (44%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Mar 9, 2026Metric
Actual
Est
EPS
$0.24
—
Rev
$70M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.28+21.7%
$0.23
Rev
$54M+5.6%
$51M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.24+14.3%
$0.21
Rev
$49M-1.0%
$49M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.21+10.5%
$0.19
Rev
$47M-4.4%
$49M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 9, 2026 | $0.24 | $70M |
| Q1 2026 | Jan 22, 2026 | $0.28vs $0.23+21.7% | $54Mvs $51M+5.6% |
| Q4 2025 | Oct 23, 2025 | $0.24vs $0.21+14.3% | $49Mvs $49M-1.0% |
| Q3 2025 | Jul 24, 2025 | $0.21vs $0.19+10.5% | $47Mvs $49M-4.4% |
Based on last 12 quarters of dataView full earnings history →
HTBK Peer Comparison
Heritage Commerce Corp (HTBK) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 COLB | 7.27B | 30.55 | 13.28 | 8.35% | 17.11% | 8.39% | 0.51 | |
 HAFC | 932.95M | 31.21 | 12.43 | 3.55% | 17.12% | 9.85% | 0.35 | |
 BSVN | 438.24M | 45.65 | 10.14 | -3.87% | 31.38% | 18.21% | ||
 EWBC | 17.45B | 126.81 | 13.32 | 4.63% | 28.27% | 15.77% | 0.36 | |
 PFBC | 1.21B | 99.04 | 9.51 | -4.11% | 26.59% | 17.29% | 0.49 |
Compare HTBK vs Peers
Heritage Commerce Corp (HTBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HTBK Income Statement
Heritage Commerce Corp (HTBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 101.52M | 122.02M | 131.81M | 141.89M | 146.13M | 179.88M | 183.22M | 163.65M | 185.38M |
NII Growth % | 11.3% | 20.19% | 8.02% | 7.65% | 2.98% | 23.1% | 1.86% | -10.68% | 13.28% |
Net Interest Margin % | 3.57% | 3.94% | 3.21% | 3.06% | 2.66% | 3.49% | 3.53% | 2.9% | 3.22% |
Interest Income | 106.91M | 129.84M | 142.66M | 150.47M | 153.26M | 188.83M | 234.3M | 242.7M | 257M |
Interest Expense | 5.39M | 7.82M | 10.85M | 8.58M | 7.13M | 8.95M | 51.07M | 79.05M | 71.62M |
Loan Loss Provision | 99K | 7.42M | 846K | 13.23M | -3.13M | 766K | 749K | 2.14M | 1.21M |
Non-Interest Income | 9.61M | 9.57M | 10.24M | 9.92M | 9.69M | 10.11M | 9M | 8.75M | 9.14M |
Non-Interest Income % | 8.25% | 6.87% | 6.7% | 6.19% | 5.95% | 5.08% | 3.7% | 3.48% | 3.43% |
Total Revenue | 116.52M▲ 0% | 139.42M▲ 19.6% | 152.9M▲ 9.7% | 160.39M▲ 4.9% | 162.94M▲ 1.6% | 198.94M▲ 22.1% | 243.3M▲ 22.3% | 251.45M▲ 3.4% | 266.14M▲ 5.8% |
Revenue Growth % | 9.87% | 19.65% | 9.67% | 4.9% | 1.59% | 22.09% | 22.3% | 3.35% | 5.84% |
Non-Interest Expense | 60.74M | 75.52M | 84.9M | 89.51M | 93.08M | 94.86M | 101.05M | 113.58M | 125.61M |
Efficiency Ratio | 52.13% | 54.17% | 55.52% | 55.81% | 57.12% | 47.68% | 41.54% | 45.17% | 47.2% |
Operating Income | 50.3M▲ 0% | 48.66M▼ 3.3% | 56.31M▲ 15.7% | 49.07M▼ 12.9% | 65.87M▲ 34.2% | 94.37M▲ 43.3% | 90.42M▼ 4.2% | 56.67M▼ 37.3% | 67.7M▲ 19.4% |
Operating Margin % | 43.17% | 34.9% | 36.83% | 30.59% | 40.42% | 47.43% | 37.16% | 22.54% | 25.44% |
Operating Income Growth % | 14.4% | -3.27% | 15.74% | -12.86% | 34.24% | 43.26% | -4.18% | -37.32% | 19.45% |
Pretax Income | 50.3M▲ 0% | 48.66M▼ 3.3% | 56.31M▲ 15.7% | 49.07M▼ 12.9% | 65.87M▲ 34.2% | 94.37M▲ 43.3% | 90.42M▼ 4.2% | 56.67M▼ 37.3% | 67.79M▲ 19.6% |
Pretax Margin % | 43.17% | 34.9% | 36.83% | 30.59% | 40.42% | 47.43% | 37.16% | 22.54% | 25.47% |
Income Tax | 26.47M | 13.32M | 15.85M | 13.77M | 18.17M | 27.81M | 25.98M | 16.15M | 19.96M |
Effective Tax Rate % | 52.63% | 27.38% | 28.15% | 28.06% | 27.58% | 29.47% | 28.73% | 28.49% | 29.44% |
Net Income | 23.83M▲ 0% | 35.33M▲ 48.3% | 40.46M▲ 14.5% | 35.3M▼ 12.8% | 47.7M▲ 35.1% | 66.56M▲ 39.5% | 64.44M▼ 3.2% | 40.53M▼ 37.1% | 47.83M▲ 18.0% |
Net Margin % | 20.45% | 25.34% | 26.46% | 22.01% | 29.27% | 33.45% | 26.49% | 16.12% | 17.97% |
Net Income Growth % | -12.98% | 48.28% | 14.52% | -12.76% | 35.13% | 39.53% | -3.17% | -37.11% | 18.02% |
Net Income (Continuing) | 23.83M | 35.33M | 40.46M | 35.3M | 47.7M | 66.56M | 64.44M | 40.53M | 47.83M |
EPS (Diluted) | 0.62▲ 0% | 0.84▲ 35.5% | 0.84▲ 0.0% | 0.59▼ 29.8% | 0.79▲ 33.9% | 1.09▲ 38.0% | 1.05▼ 3.7% | 0.66▼ 37.1% | 0.78▲ 18.2% |
EPS Growth % | -13.89% | 35.48% | 0% | -29.76% | 33.9% | 37.97% | -3.67% | -37.14% | 18.18% |
EPS (Basic) | 0.63 | 0.85 | 0.87 | 0.59 | 0.79 | 1.10 | 1.06 | 0.66 | 0.78 |
Diluted Shares Outstanding | 38.61M | 42.18M | 47.91M | 60.17M | 60.69M | 61.09M | 61.31M | 61.53M | 61.7M |
HTBK Balance Sheet
Heritage Commerce Corp (HTBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 708.07M | 623.61M | 862.2M | 1.37B | 1.41B | 796.2M | 850.76M | 1.22B | 614.64M |
Cash & Due from Banks | 316.22M | 164.57M | 457.37M | 1.13B | 1.31B | 306.6M | 408.13M | 968.12M | 21.68M |
Short Term Investments | 391.85M | 459.04M | 404.82M | 235.77M | 102.25M | 489.6M | 442.64M | 256.27M | 592.96M |
Total Investments | 2.36B | 2.7B | 3.28B | 3.11B | 3.81B | 4.46B | 4.4B | 4.29B | 592.96M |
Investments Growth % | 11.17% | 14.46% | 21.71% | -5.28% | 22.42% | 17.1% | -1.35% | -2.41% | -86.18% |
Long-Term Investments | 1.96B | 2.24B | 2.88B | 2.87B | 3.7B | 3.97B | 3.96B | 4.04B | 0 |
Accounts Receivables | 33.28M | 44.58M | 67.14M | 87.52M | 85.11M | 93.47M | 0 | 0 | 0 |
Goodwill & Intangibles | 51.25M | 95.76M | 187.84M | 184.29M | 181.3M | 178.66M | 176.26M | 174.07M | 172.26M |
Goodwill | 45.66M | 83.75M | 167.42M | 167.63M | 167.63M | 167.63M | 167.63M | 167.63M | 167.63M |
Intangible Assets | 5.59M | 12.01M | 20.41M | 16.66M | 13.67M | 11.03M | 8.63M | 6.44M | 4.63M |
PP&E (Net) | 7.35M | 7.14M | 8.25M | 10.46M | 9.64M | 9.3M | 9.86M | 10.14M | 9.21M |
Other Assets | 78.72M | 87.08M | 105.87M | 111.05M | 110.09M | 111.47M | 202.03M | 201.02M | 0 |
Total Current Assets | 741.35M | 668.19M | 929.34M | 1.45B | 1.49B | 889.66M | 850.76M | 1.22B | 614.64M |
Total Non-Current Assets | 2.1B | 2.43B | 3.18B | 3.18B | 4.01B | 4.27B | 4.34B | 4.42B | 181.47M |
Total Assets | 2.84B▲ 0% | 3.1B▲ 8.9% | 4.11B▲ 32.7% | 4.63B▲ 12.8% | 5.5B▲ 18.7% | 5.15B▼ 6.3% | 5.19B▲ 0.8% | 5.65B▲ 8.7% | 5.76B▲ 2.1% |
Asset Growth % | 10.61% | 8.9% | 32.71% | 12.77% | 18.67% | -6.28% | 0.77% | 8.68% | 2.12% |
Return on Assets (ROA) | 0.88% | 1.19% | 1.12% | 0.81% | 0.94% | 1.25% | 1.25% | 0.75% | 0.84% |
Accounts Payable | 50.04M | 52.2M | 78.11M | 102M | 102.04M | 96.17M | 0 | 0 | 0 |
Total Debt | 39.18M | 39.37M | 39.88M | 39.74M | 39.92M | 39.35M | 39.5M | 39.65M | 39.8M |
Net Debt | -277.04M | -125.2M | -417.49M | -1.09B | -1.27B | -267.25M | -368.63M | -928.47M | 18.12M |
Long-Term Debt | 39.18M | 39.37M | 39.55M | 39.74M | 39.92M | 39.35M | 39.5M | 39.65M | 39.8M |
Short-Term Debt | 0 | 0 | 328K | 0 | 0 | 0 | 0 | 24K | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 103.23M | 95.59M | 2.75B |
Total Current Liabilities | 2.53B | 2.69B | 3.49B | 4.02B | 4.86B | 4.49B | 4.38B | 4.82B | 2.27B |
Total Non-Current Liabilities | 39.18M | 39.37M | 39.55M | 39.74M | 39.92M | 39.35M | 142.74M | 135.25M | 2.79B |
Total Liabilities | 2.57B | 2.73B | 3.53B | 4.06B | 4.9B | 4.52B | 4.52B | 4.96B | 5.06B |
Total Equity | 271.36M▲ 0% | 367.47M▲ 35.4% | 576.71M▲ 56.9% | 577.89M▲ 0.2% | 598.03M▲ 3.5% | 632.46M▲ 5.8% | 672.9M▲ 6.4% | 689.73M▲ 2.5% | 708.57M▲ 2.7% |
Equity Growth % | 4.43% | 35.41% | 56.94% | 0.2% | 3.48% | 5.76% | 6.39% | 2.5% | 2.73% |
Equity / Assets (Capital Ratio) | 9.54% | 11.87% | 14.03% | 12.47% | 10.87% | 12.27% | 12.96% | 12.22% | 12.29% |
Return on Equity (ROE) | 8.97% | 11.06% | 8.57% | 6.11% | 8.11% | 10.82% | 9.87% | 5.95% | 6.84% |
Book Value per Share | 7.03 | 8.71 | 12.04 | 9.60 | 9.85 | 10.35 | 10.98 | 11.21 | 11.48 |
Tangible BV per Share | 5.70 | 6.44 | 8.12 | 6.54 | 6.87 | 7.43 | 8.10 | 8.38 | 8.69 |
Common Stock | 218.35M | 300.84M | 489.75M | 493.71M | 497.69M | 502.92M | 506.54M | 510.07M | 509.61M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 62.14M | 79M | 96.74M | 94.9M | 111.33M | 146.39M | 179.09M | 187.76M | 203.68M |
Accumulated OCI | -9.25M | -12.38M | -9.78M | -10.72M | -11M | -16.86M | -12.73M | -8.11M | -4.72M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HTBK Cash Flow Statement
Heritage Commerce Corp (HTBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 41.36M | 48.57M | 50.34M | 57.3M | 56.85M | 69.85M | 73.01M | 38.97M | 61.67M |
Operating CF Growth % | 59.69% | 17.44% | 3.65% | 13.81% | -0.78% | 22.87% | 4.52% | -46.62% | 58.26% |
Net Income | 23.83M | 35.33M | 40.46M | 35.3M | 47.7M | 66.56M | 64.44M | 40.53M | 47.83M |
Depreciation & Amortization | 2.15M | 2.7M | 3.58M | 4.7M | 4.07M | 3.76M | 3.52M | 3.53M | 485K |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 2.79M | 5.94M | 2.46M | 13.59M | -2.48M | -2.54M | -5.83M | -2.78M | 3.82M |
Working Capital Changes | 10.85M | 2.79M | 1.92M | 1.46M | 5.04M | -1.1M | 8.48M | -5.15M | 9.54M |
Cash from Investing | -237.29M | 77.66M | 271.24M | 146.38M | -696.83M | -669.49M | 70.18M | 110.62M | -431.51M |
Purchase of Investments | -265.4M | -194.3M | -162M | -30.92M | -474.02M | -572.27M | 0 | -30.26M | -555.71M |
Sale/Maturity of Investments | 108.67M | 202.21M | 280.48M | 268.63M | 240.01M | 110.28M | 122.39M | 284.63M | 226.15M |
Net Investment Activity | -156.73M | 7.9M | 118.48M | 237.71M | -234M | -461.99M | 122.39M | 254.37M | -329.57M |
Acquisitions | 0 | 36.03M | 117.99M | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -79.91M | 33.91M | 34.97M | -88.17M | -462.58M | -206.71M | -50.54M | -142.13M | -101.94M |
Cash from Financing | 246.05M | -277.88M | -28.78M | 470.02M | 815.13M | -399.98M | -41.67M | 410.4M | 48.74M |
Dividends Paid | -15.24M | -18.46M | -22.72M | -31.08M | -31.27M | -31.5M | -31.74M | -31.86M | -31.92M |
Share Repurchases | 0 | 78M | 185.6M | 0 | 0 | -2.05M | 0 | 0 | -4.05M |
Stock Issued | 1.37M | 2.67M | -185.6M | 0 | 0 | 2.05M | 0 | 690K | 1.65M |
Net Stock Activity | 1.37M | 80.67M | 0 | 0 | 0 | 0 | 0 | 690K | -2.4M |
Debt Issuance (Net) | 1000K | 0 | -1000K | -328K | 0 | -726K | 0 | 0 | 0 |
Other Financing | 222.22M | -259.42M | 4.36M | 501.43M | 846.39M | -367.76M | -9.93M | 441.57M | 83.06M |
Net Change in Cash | 50.12M▲ 0% | -151.65M▼ 402.6% | 292.8M▲ 293.1% | 673.7M▲ 130.1% | 175.14M▼ 74.0% | -999.61M▼ 670.7% | 101.53M▲ 110.2% | 559.99M▲ 451.6% | -321.1M▼ 157.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 266.1M | 316.22M | 164.57M | 457.37M | 1.13B | 1.31B | 306.6M | 408.13M | 968.12M |
Cash at End | 316.22M | 164.57M | 457.37M | 1.13B | 1.31B | 306.6M | 408.13M | 968.12M | 647.03M |
Interest Paid | 5.17M | 7.53M | 9.94M | 8.56M | 7.01M | 8.65M | 46.83M | 77.24M | 72.08M |
Income Taxes Paid | 17.26M | 12.84M | 17.73M | 10.64M | 15.37M | 25.18M | 28.34M | 13.22M | 21.46M |
Free Cash Flow | 40.71M▲ 0% | 48.38M▲ 18.9% | 50.14M▲ 3.6% | 54.13M▲ 8.0% | 56.6M▲ 4.5% | 69.07M▲ 22.0% | 71.34M▲ 3.3% | 37.35M▼ 47.6% | 60.77M▲ 62.7% |
FCF Growth % | 60.15% | 18.86% | 3.63% | 7.97% | 4.55% | 22.04% | 3.29% | -47.65% | 62.71% |
HTBK Banking Ratios
Heritage Commerce Corp (HTBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 10.84% | 8.97% | 11.06% | 8.57% | 6.11% | 8.11% | 10.82% | 9.87% | 5.95% | 6.84% |
Return on Assets (ROA) | 1.11% | 0.88% | 1.19% | 1.12% | 0.81% | 0.94% | 1.25% | 1.25% | 0.75% | 0.84% |
Net Interest Margin | 3.55% | 3.57% | 3.94% | 3.21% | 3.06% | 2.66% | 3.49% | 3.53% | 2.9% | 3.22% |
Efficiency Ratio | 54.35% | 52.13% | 54.17% | 55.52% | 55.81% | 57.12% | 47.68% | 41.54% | 45.17% | 47.2% |
Equity / Assets | 10.11% | 9.54% | 11.87% | 14.03% | 12.47% | 10.87% | 12.27% | 12.96% | 12.22% | 12.29% |
Book Value / Share | 7.59 | 7.03 | 8.71 | 12.04 | 9.6 | 9.85 | 10.35 | 10.98 | 11.21 | 11.48 |
NII Growth | 19.52% | 11.3% | 20.19% | 8.02% | 7.65% | 2.98% | 23.1% | 1.86% | -10.68% | 13.28% |
Dividend Payout | 49.77% | 63.95% | 52.26% | 56.16% | 88.05% | 65.56% | 47.32% | 49.25% | 78.61% | 66.73% |
Related:HTBK Dividend History·HTBK Revenue History·HTBK Price History·HTBK P/E History·HTBK Financial Ratios·HTBK Institutional Holders
HTBK SEC Filings & Documents
Heritage Commerce Corp (HTBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
HTBK Frequently Asked Questions
Heritage Commerce Corp (HTBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Heritage Commerce Corp (HTBK) grew revenue by 5.8% over the past year. This is steady growth.
Yes, Heritage Commerce Corp (HTBK) is profitable, generating $47.8M in net income for fiscal year 2025 (18.0% net margin).
Dividend & Returns
Yes, Heritage Commerce Corp (HTBK) pays a dividend with a yield of 3.85%. This makes it attractive for income-focused investors.
Heritage Commerce Corp (HTBK) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.
Industry Metrics
Heritage Commerce Corp (HTBK) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Heritage Commerce Corp (HTBK) has an efficiency ratio of 47.2%. This is excellent, indicating strong cost control.