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Heritage Commerce Corp (HTBK) Total Return Calculator with Dividends Reinvested

Heritage Commerce Corp

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The total return for Heritage Commerce Corp (HTBK) stock is +53.59% over the past 12 months. So far it's up 13.68% this year. The 5-year total return is +30.48%, meaning $10,000 invested in HTBK stock 5 years ago would be worth $13,048 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HTBK 1 year ago, it would be worth $15,543 today — you'd have gained $5,543 with dividends reinvested.

With Dividends Reinvested$15,543+55.43%

Price Only (No DRIP)$14,635+46.35%

Dividend Boost+$9085 payments · +9.08% extra

Period2025-05-07 → 2026-04-17

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in HTBK

1Y$15,359+$5,359 (+53.6%)53.6% CAGR

3Y$21,629+$11,629 (+116.3%)29.3% CAGR

5Y$13,048+$3,048 (+30.5%)5.5% CAGR

10Y$17,644+$7,644 (+76.4%)5.8% CAGR

15Y$36,117+$26,117 (+261.2%)8.9% CAGR

20Y$8,356-$1,644 (-16.4%)-0.9% CAGR

30Y$22,606+$12,606 (+126.1%)2.8% CAGR

Dividend Reinvestment History (5)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-08	$0.13	$9.30	+0.013978
2025-08-07	$0.13	$9.32	+0.014143
2025-11-06	$0.13	$10.47	+0.012766
2026-02-05	$0.13	$13.41	+0.010091
2026-03-25	$0.13	$12.37	+0.011045

Loading HTBK total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+13.68%	—	+11.53%	+2.16 pp	$11,368
1Y	+53.59%	53.59%	+46.51%	+7.08 pp	$15,359
3Y	+116.29%	29.32%	+92.14%	+24.14 pp	$21,629
5Y	+30.48%	5.47%	+8.47%	+22.02 pp	$13,048
10Y	+76.44%	5.84%	+28.83%	+47.61 pp	$17,644
15Y	+261.17%	8.94%	+154.74%	+106.44 pp	$36,117
20Y	-16.44%	-0.89%	-43.30%	+26.86 pp	$8,356
30Y	+126.06%	2.76%	+53.02%	+73.05 pp	$22,606

Risk & Highlights

Best Year+55.77%2004

Worst Year-64.80%2009

Max Drawdown-13.47%2025-07-03 → 2025-07-31 · Recovered 2025-11-05

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+4.15%	+3.07%	+1.1pp	+0.41%	+3.7pp
2025	+35.75%	+30.12%	+5.6pp	+16.64%	+19.1pp
2024	+0.51%	-4.77%	+5.3pp	+24.00%	-23.5pp
2023	-19.26%	-23.28%	+4.0pp	+24.81%	-44.1pp
2022	+13.71%	+9.34%	+4.4pp	-19.95%	+33.7pp

HTBK outperformed the S&P 500 by 22.27pp over the past year (+53.59% vs +31.32%).

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HTBK Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HTBKHeritage Commerce Corp	$828M	+5.1%	+13.7%	+53.6%	+7.1pp	+116.3%	+30.5%	+76.4%
WAFDWaFd, Inc.	$2.7B	+11.2%	+11.8%	+29.3%	+3.8pp	+51.5%	+22.3%	+84.0%
CVBFCVB Financial Corp.	$2.8B	+4.5%	+11.6%	+13.6%	+4.2pp	+95.0%	+11.9%	+67.4%
BANRBanner Corporation	$2.2B	+5.7%	+7.7%	+10.7%	+3.2pp	+62.2%	+30.9%	+102.3%
COLBColumbia Banking System, Inc.	$7.2B	+7.7%	+8.4%	+36.2%	+6.3pp	+78.6%	-17.3%	+51.1%
HAFCHanmi Financial Corporation	$909M	+13.3%	+15.4%	+35.8%	+4.7pp	+137.5%	+63.5%	+74.4%
BSVNBank7 Corp.	$413M	+6.5%	+6.0%	+21.0%	+2.8pp	+96.0%	+174.0%	+154.2%
EWBCEast West Bancorp, Inc.	$17.2B	+13.9%	+10.2%	+47.8%	+3.2pp	+194.6%	+72.9%	+289.6%
PFBCPreferred Bank	$1.2B	+4.3%	+1.8%	+21.9%	+3.8pp	+129.1%	+59.1%	+258.9%
BCALSouthern California Bancorp	$613M	+5.8%	+3.2%	+32.6%	+1.4pp	+47.5%	+44.0%	+133.3%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%

Compare:HTBK vs WAFD HTBK vs CVBF HTBK vs BANR HTBK vs WAFD vs CVBF

About HTBK Dividend Returns

Heritage Commerce Corp (HTBK) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HTBK over the past year?

Heritage Commerce Corp (HTBK) delivered a total return of 53.59% over the past year when dividends are reinvested. The price-only return was 46.51%, meaning dividends contributed an additional 7.08 percentage points to total returns.

Q2How much would $10,000 invested in HTBK be worth today?

A $10,000 investment in Heritage Commerce Corp one year ago would be worth $15,359 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $14,651. Dividend reinvestment added $708 to the portfolio value.

Q3Does HTBK pay dividends?

Yes, Heritage Commerce Corp (HTBK) pays dividends. In the last year, HTBK paid approximately $0.52 per share in dividends (3.85% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did HTBK beat the S&P 500?

Yes, Heritage Commerce Corp (HTBK) outperformed the S&P 500 by 22.27 percentage points over the past year. HTBK delivered a total return of 53.59%, compared to the S&P 500's 31.32%. This 22.27pp alpha means investors in HTBK earned more than a passive S&P 500 index fund.

Q5What is HTBK's worst drawdown?

Heritage Commerce Corp (HTBK) experienced a maximum drawdown of -13.47% over the past year, declining from its peak on 2025-07-03 to its trough on 2025-07-31. The stock recovered to its prior peak by 2025-11-05. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HTBK's long-term total return over 10, 20, or 30 years?

Here are Heritage Commerce Corp (HTBK)'s long-term returns with dividends reinvested. Over 10 years, the total return is 76.4% (5.8% CAGR) — $10,000 would have grown to $17,644. Over 20 years: -16.4% total return (-0.9% CAGR) — $10,000 → $8,356. Over 30 years: 126.1% total return (2.8% CAGR) — $10,000 → $22,606. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HTBK's best and worst year?

Heritage Commerce Corp's best calendar year was 2004 with a total return of 55.8%. Its worst year was 2009 with a total return of -64.8%. This range shows the volatility investors should expect — the difference between the best and worst year is 120.6 percentage points.