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    • Heritage Commerce Corp logo

    Heritage Commerce Corp

    HTBK | NASDAQ
    Chart Builder DCF Calculator
    $13.45
    $0 (0.00%)
    Apr 17, 2026, 4:00 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

    Market Data

    Market Cap
    $828.43M
    Enterprise Value
    $253.59M
    Beta
    0.68
    Average Volume
    722.53K
    Shares Outstanding (Diluted)
    61.7M
    Shares Change YoY
    0.03%
    Institutional Ownership
    81.09%
    Exchange
    NASDAQ
    ISIN
    US4269271098

    Price Performance

    Price Change 1M
    9.2%
    Price Change 3M
    5.9%
    Price Change 6M
    36.0%
    Price Change YTD
    11.5%
    Price Change 1Y
    54.6%
    Price Change 3Y
    65.8%
    Price Change 5Y
    9.7%
    1M CAGR (ann.)
    9.4%
    1Y CAGR (ann.)
    64.8%
    5Y CAGR (ann.)
    7.6%
    All-Time CAGR
    0.0%

    Valuation

    PE Ratio
    17.24
    Forward PE
    12.79
    PEG Ratio
    0.95
    Forward PEG
    4.35
    PS Ratio
    3.11
    Forward PS
    3.70
    PB Ratio
    1.17
    P/FCF Ratio
    14.49
    P/Adj. FCF Ratio
    15.07
    P/OCF Ratio
    13.32
    EV/Sales
    0.95
    EV/EBIT
    3.75
    EV/EBITDA
    3.56
    EV/FCF
    4.44
    Earnings Yield
    5.8%
    FCF Yield
    6.9%
    Adj. FCF Yield
    6.6%

    Financial Health

    Net Cash
    $574.84M
    Total Debt
    $39.81M
    Cash & Short-Term Investments
    $614.64M
    Total Assets
    $5.76B
    Current Ratio
    0.27
    Quick Ratio
    0.27
    Debt / Equity Ratio
    0.06
    Debt / EBITDA
    0.56
    Debt / FCF
    0.70
    OCF / Debt
    1.45
    Interest Coverage
    0.95
    Altman Z-Score
    -0.11
    Piotroski F-Score
    9

    Margins & Profitability

    Gross Profit Margin
    72.6%
    Operating Profit Margin
    25.4%
    EBITDA Margin
    26.8%
    Net Profit Margin
    18.0%
    FCF Margin
    21.5%
    Adj. FCF Margin
    20.7%
    SBC / Revenue
    1.0%
    SBC Impact (per share)
    -3.8%

    Returns

    Return on Assets
    0.8%
    Return on Equity
    6.8%
    Return on Invested Capital
    -3.3%
    Return on Capital Employed
    1.9%
    Return on Tangible Assets
    0.9%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    10.3%
    Revenue CAGR 5Y
    10.7%
    Revenue CAGR 10Y
    11.8%
    EPS CAGR 3Y
    -10.6%
    EPS CAGR 5Y
    5.7%
    EPS CAGR 10Y
    4.8%
    FCF CAGR 3Y
    -1.3%
    FCF CAGR 5Y
    4.2%
    FCF CAGR 10Y
    9.6%

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    12
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Apr 22, 2026
    EPS Estimate (next Q)
    $0.23
    EPS Growth Est (next Q)
    21.1%
    Revenue Est (next Q)
    $52.49M
    Revenue Growth Est (next Q)
    16.2%

    Fair Value Estimates

    Graham Number
    $14.24
    Graham Upside
    5.9%
    Lynch Fair Value
    $4.48
    Lynch Upside
    -66.7%
    Price Target
    $11.88
    Price Target Upside
    -11.7%

    Cash Flow

    Operating Cash Flow
    $57.52M
    Free Cash Flow
    $57.16M
    Adj. Free Cash Flow
    $54.98M
    FCF Per Share
    $1
    OCF Per Share
    $1.01
    OCF/S Ratio
    23.2%

    Income Statement

    Revenue
    $266.14M
    Gross Profit
    $193.31M
    Operating Income
    $67.7M
    EBITDA
    $71.21M
    Net Income
    $47.83M
    EPS (Diluted)
    $0.78
    Revenue / Employee
    $760.4K
    Profit / Employee
    $136.66K
    Employees
    350

    Dividends

    Annual Dividend
    $0.39
    Dividend Yield
    2.90%
    Payout Ratio
    50.0%
    FCF Payout Ratio
    55.8%
    Adj. FCF Payout Ratio
    58.0%
    Dividend Growth (YoY)
    -25.0%
    Pay Frequency
    Quarterly
    Ex-Dividend Date
    Mar 24, 2026

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