Heritage Commerce Corp (HTBK)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$13.45

+0.00 (+0.00%)

Market Cap: $828.43M

Last updated: Oct 14, 2026 at 5:00 PM ET

Earnings

Performance (10Y)

Beat Rate

78%(29/37)

Avg Surprise

+3.29%

Streak

6 Q

Upcoming Estimates

Period ending Jun 30, 2026

EPS Consensus$0.25

Range$0.24 - $0.26

2 analysts

EPS RevisionsNo revisions (7d)

30d

EPS Estimate DriftChange to current

90d ago$0.23+6.4%

60d ago$0.26-3.8%

30d ago$0.25-1.3%

7d ago$0.25-1.3%

Current$0.25

Revenue Consensus

$54M

Range$54M - $54M

1 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26EST	-	$0.25	$0.24 - $0.26	-	-	2	2 0 30d	-
Mar 31, 2026Mar 26 Reported Apr 23, 2026Reported Apr 23	$N/A	$0.24	$0.23 - $0.25	N/A	Beat	2	2 0 30d	-
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$0.28	$0.23	$0.22 - $0.25	+21.74%	Beat	4	4 0 30d	+64.7%
Sep 30, 2025Sep 25 Reported Oct 23, 2025Reported Oct 23	$0.24	$0.21	$0.20 - $0.22	+14.29%	Beat	6	No revisions (30d)	+41.2%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.21	$0.19	$0.18 - $0.20	+10.53%	Beat	5	0 1 30d	+40.0%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.19	$0.18	$0.17 - $0.20	+5.56%	Beat	6	4 0 30d	+11.8%
Dec 31, 2024Dec 24 Reported Mar 7, 2025Reported Mar 7	$0.17	$0.17	$0.15 - $0.19	+0.00%	Beat	5	1 0 30d	-22.7%
Sep 30, 2024Sep 24 Reported Oct 24, 2024Reported Oct 24	$0.17	$0.17	$0.15 - $0.19	+0.00%	Beat	6	No revisions (30d)	-34.6%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.15	$0.18	$0.16 - $0.20	-16.67%	Miss	6	No revisions (30d)	-44.4%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.17	$0.18	$0.16 - $0.20	-5.56%	Miss	6	No revisions (30d)	-45.2%
Dec 31, 2023Dec 23 Reported Mar 8, 2024Reported Mar 8	$0.22	$0.24	$0.22 - $0.24	-8.33%	Miss	6	No revisions (30d)	-35.3%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.26	$0.25	$0.24 - $0.26	+4.00%	Beat	6	No revisions (30d)	-13.3%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.27	$0.29	$0.27 - $0.31	-6.90%	Miss	6	0 1 30d	+12.5%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$0.31	$0.30	$0.29 - $0.33	+3.33%	Beat	6	No revisions (30d)	+47.6%
Dec 31, 2022Dec 22 Reported Mar 8, 2023Reported Mar 8	$0.34	$0.34	$0.32 - $0.36	+0.00%	Beat	6	No revisions (30d)	+47.8%
Sep 30, 2022Sep 22 Reported Oct 27, 2022Reported Oct 27	$0.30	$0.29	$0.26 - $0.31	+3.45%	Beat	6	1 0 30d	+30.4%
Jun 30, 2022Jun 22 Reported Jul 28, 2022Reported Jul 28	$0.24	$0.23	$0.22 - $0.25	+4.35%	Beat	6	2 0 30d	+26.3%
Mar 31, 2022Mar 22 Reported Apr 28, 2022Reported Apr 28	$0.21	$0.20	$0.19 - $0.21	+5.00%	Beat	6	No revisions (30d)	+10.5%
Dec 31, 2021Dec 21 Reported Mar 4, 2022Reported Mar 4	$0.23	$0.22	$0.19 - $0.23	+4.55%	Beat	6	No revisions (30d)	+21.1%
Sep 30, 2021Sep 21 Reported Oct 28, 2021Reported Oct 28	$0.23	$0.21	$0.20 - $0.22	+9.52%	Beat	4	No revisions (30d)	+21.1%
Jun 30, 2021Jun 21 Reported Jul 22, 2021Reported Jul 22	$0.19	$0.19	$0.15 - $0.19	+0.00%	Beat	5	No revisions (30d)	+5.6%
Mar 31, 2021Mar 21 Reported Apr 22, 2021Reported Apr 22	$0.19	$0.18	$0.16 - $0.18	+5.56%	Beat	4	1 0 30d	-9.5%
Dec 31, 2020Dec 20 Reported Mar 5, 2021Reported Mar 5	$0.19	$0.18	$0.17 - $0.22	+5.56%	Beat	5	No revisions (30d)	-13.6%
Sep 30, 2020Sep 20 Reported Oct 22, 2020Reported Oct 22	$0.19	$0.17	$0.14 - $0.18	+11.76%	Beat	5	No revisions (30d)	-29.6%
Jun 30, 2020Jun 20 Reported Jul 23, 2020Reported Jul 23	$0.18	$0.14	$0.09 - $0.17	+28.57%	Beat	5	No revisions (30d)	-33.3%
Mar 31, 2020Mar 20 Reported Apr 23, 2020Reported Apr 23	$0.21	$0.19	$0.08 - $0.24	+10.53%	Beat	5	No revisions (30d)	-25.0%
Dec 31, 2019Dec 19 Reported Mar 11, 2020Reported Mar 11	$0.22	$0.24	$0.23 - $0.26	-8.33%	Miss	4	No revisions (30d)	-26.7%
Sep 30, 2019Sep 19 Reported Oct 24, 2019Reported Oct 24	$0.27	$0.26	$0.24 - $0.30	+3.85%	Beat	5	No revisions (30d)	-6.9%
Jun 30, 2019Jun 19 Reported Jul 25, 2019Reported Jul 25	$0.27	$0.28	$0.26 - $0.28	-3.57%	Miss	4	No revisions (30d)	+28.6%
Mar 31, 2019Mar 19 Reported Apr 25, 2019Reported Apr 25	$0.28	$0.28	$0.26 - $0.31	+0.00%	Beat	6	No revisions (30d)	+16.7%
Dec 31, 2018Dec 18 Reported Mar 14, 2019Reported Mar 14	$0.30	$0.28	$0.27 - $0.29	+7.14%	Beat	6	No revisions (30d)	+30.4%
Sep 30, 2018Sep 18 Reported Oct 25, 2018Reported Oct 25	$0.29	$0.27	$0.25 - $0.28	+7.41%	Beat	6	No revisions (30d)	+31.8%
Jun 30, 2018Jun 18 Reported Jul 26, 2018Reported Jul 26	$0.21	$0.19	$0.19 - $0.19	+10.53%	Beat	2	No revisions (30d)	+10.5%
Mar 31, 2018Mar 18 Reported Apr 26, 2018Reported Apr 26	$0.24	$0.24	$0.19 - $0.26	+0.00%	Beat	5	No revisions (30d)	+41.2%
Dec 31, 2017Dec 17 Reported Mar 16, 2018Reported Mar 16	$0.23	$0.22	$0.20 - $0.23	+4.55%	Beat	5	No revisions (30d)	+21.1%
Sep 30, 2017Sep 17 Reported Oct 26, 2017Reported Oct 26	$0.22	$0.21	$0.19 - $0.22	+4.76%	Beat	5	No revisions (30d)	-
Jun 30, 2017Jun 17 Reported Jul 27, 2017Reported Jul 27	$0.19	$0.20	$0.19 - $0.21	-5.00%	Miss	5	1 0 30d	-
Mar 31, 2017Mar 17 Reported Apr 27, 2017Reported Apr 27	$0.17	$0.19	-	-10.53%	Miss	-	-	-
Dec 31, 2016Dec 16 Reported Mar 3, 2017Reported Mar 3	$0.19	$0.19	-	+0.00%	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield3.87%

Forward Annual Dividend$0.52

Payout Ratio50.31%

FrequencyQuarterly

Pay MonthsFeb, Apr, Nov

Growth

3Y CAGR+0.00%

5Y CAGR+0.00%

HTBK dividend history and ex-dividend dates Run HTBK in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	N/A	EV/EBITDA	11.97x
Price/FCF	13.56x	FCF Yield	7.37%
Profitability
Profit Margin	24.40%	Operating Margin	45.30%
ROE	6.84%	ROIC	6.39%
Financial Health
Debt/Equity	0.06x	Interest Coverage	0.95x
Current Ratio	0.27x	Quick Ratio	0.27x
Trading Statistics
Beta	0.68	Avg Volume	N/A
52-Week High	$13.73	52-Week Low	$9.19

Technical Indicators Dashboard

Moving Averages

SMA 10$13.45

SMA 20$13.45

SMA 50$13.45

SMA 200$13.13

EMA 10$13.45

EMA 20$13.45

EMA 50$13.44

EMA 200$12.84

MACD

Line: N/ASignal: 0.00Hist: N/A

ADX

ADX: 34.2+DI: 26.1-DI: 12.8

Aroon & PSAR

Aroon Up100.0

Aroon Down100.0

PSAR$13.52

Bollinger Bands

Upper Band$13.45

Lower Band$13.45

%B PositionN/A

Band Width8.00

RSI (14-Day)

Neutral

65.5

Momentum Oscillators

Stoch %KN/A

Stoch %DN/A

Williams %RN/A

ROC (10d)N/A

MomentumN/A

CCI (20d)N/A

MFI (14d)N/A

Volatility Measures

ATR (14d)N/A(0.0%)

StdDev (20d)N/A

Hist VolN/A

Volume Flow

VWAP$13.45

OBV25.1M

AD Line-223.6M

CMF (20d)N/A

Volume Metrics

Avg Vol (20d)N/A

Vol RatioN/A

VWMA (20d)N/A

Pivot Points

R3$13.45

R2$13.45

R1$13.45

Pivot Point$13.45

S1$13.45

S2$13.45

S3$13.45

Advanced Oscillators

TSI32.33

Ultimate OscN/A

KSTN/A

Financial Data

Quarter	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023
Total Revenue	$53.62M	$50.01M	$47.78M	$46.06M	$46.37M	$42.16M	$41.73M	$42.14M	$44.24M	$47.59M	$48.37M	$52.02M
Cost of Revenue	$16.63M	$18.72M	$18.74M	$18.75M	$21.78M	$21.68M	$20.09M	$17.64M	$16.88M	$15.59M	$12.31M	$7.05M
Gross Profit	$53.62M	$48.48M	$46.31M	$44.90M	$47.54M	$41.19M	$40.35M	$41.17M	$45.59M	$46.74M	$47.60M	$51.55M

Operating Expenses	$31.04M	$29.03M	$38.34M	$29.46M	$30.30M	$27.55M	$28.19M	$27.54M	$25.49M	$25.17M	$24.99M	$25.40M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	$21.88M	$20.56M	$8.93M	$16.33M	$14.73M	$14.45M	$13.07M	$14.42M	$18.46M	$22.25M	$23.12M	$26.59M

Interest Income	$67.05M	$65.09M	$63.02M	$61.83M	$64.04M	$60.85M	$58.49M	$56.96M	$56.74M	$60.79M	$58.34M	$56.27M
Interest Expense	$16.63M	$18.31M	$18.22M	$18.47M	$20.45M	$21.52M	$19.62M	$17.46M	$16.59M	$15.42M	$12.05M	$7.02M
Income Before Tax	$21.97M	$20.56M	$8.93M	$16.33M	$14.73M	$14.45M	$13.07M	$14.42M	$18.46M	$22.25M	$23.12M	$26.59M
Income Tax Expense	$6.85M	$5.87M	$2.54M	$4.70M	$4.11M	$3.94M	$3.84M	$4.25M	$5.13M	$6.45M	$6.71M	$7.67M

Net Income	$15.12M	$14.70M	$6.39M	$11.63M	$10.62M	$10.51M	$9.23M	$10.17M	$13.33M	$15.79M	$16.40M	$18.92M

EBITDA	$22.91M	$21.56M	$9.60M	$16.80M	$15.42M	$15.15M	$13.43M	$14.69M	$18.64M	$22.29M	$23.12M	$26.63M
EBIT	$21.97M	$20.56M	$8.93M	$16.33M	$14.73M	$14.45M	$13.07M	$14.42M	$18.46M	$22.25M	$23.12M	$26.59M

* Some calculated fields are derived from available data when not provided by source

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News

Heritage Commerce Corp $HTBK Stake Boosted by Arrowstreet Capital Limited Partnership

Arrowstreet Capital Limited Partnership significantly increased its stake in Heritage Commerce Corp (NASDAQ:HTBK) by 134.6% in the first quarter...

MarketBeat•Aug 1, 2026 8:41 PM ET8/1/26•Neutral

Heritage Commerce Corp $HTBK Shares Purchased by SummitTX Capital L.P.

SummitTX Capital L.P. has increased its stake in Heritage Commerce Corp (NASDAQ:HTBK) by 15.1% during the first quarter...

MarketBeat•Jul 27, 2026 6:22 AM ET7/27/26•Somewhat-Bullish

CVB Financial Corp. Reports Earnings for the Second Quarter 2026

CVB Financial Corp. announced second quarter 2026 net earnings of $48.3 million, or $0.29 per diluted share, following its acquisition of Heritage Commerce Corp. The acquisition significantly increased the company's...

The Manila Times•Jul 22, 2026 6:11 PM ET7/22/26•Neutral

Heritage Commerce stock holds its ground as investors weigh recent earnings trends

Heritage Commerce Corp (HTBK) maintains its position as a regional bank whose stock performance is influenced by earnings trends, capital strength...

Ad-hoc-news.de•Jul 20, 2026 3:16 PM ET7/20/26•Somewhat-Bullish

HTBK Valuation and Fair Value

Forward P/E: 11.1x
EV/EBITDA: 12.0x
P/FCF: 13.6x
PEG: 1.5x
P/B: 1.2x

See GNG's fair value

HTBK Profitability: Margins, ROIC and FCF

Gross margin: 97.9%
Operating margin: 45.3%
Net margin: 24.4%
ROIC: 6.4%
ROE: 6.8%
FCF margin: 31.0%
FCF yield: 7.4%

HTBK Competitors

Company	Ticker
Capital City Bank Group	CCBG
World Acceptance Corporation	WRLD
Eagle Bancorp Inc	EGBN
Kayne Anderson BDC, Inc.	KBDC
Great Southern Bancorp Inc	GSBC
Virtus Investment Partners, Inc.	VRTS
Prospect Capital Corporation	PSEC
Orrstown Financial Services Inc	ORRF

Sector: Financial Services

HTBK Bull Case vs Bear Case

Bull case

HTBK converts 31.0% of revenue into free cash flow.
HTBK has a 24.4% net profit margin.
HTBK grew quarterly revenue 17.7% year over year.

HTBK Earnings: Beat Rate and Next Report

Beat rate: 4 of 8 quarters (50.0%)
Average surprise: 3.7%
EPS estimate (fiscal period ending Jun 30, 2026): $0.25
Estimate revisions (30 days, fiscal period ending Jun 30, 2026): 2 up, 0 down

HTBK Dividend

Forward yield: 3.9%
Payout ratio: 50.3%
3Y DPS growth: 0.0%
5Y DPS growth: 0.0%
Pay months: Feb, Apr, Nov

HTBK dividend history

Frequently Asked Questions About HTBK

What is HTBK's current dividend yield?

Heritage Commerce Corp (HTBK) has a forward dividend yield of 3.87%.

Does HTBK pay dividends?

Yes, Heritage Commerce Corp pays dividends with a forward dividend yield of 3.87%.

What is HTBK's market cap?

Heritage Commerce Corp (HTBK) has a market capitalization of $828.43M with a current stock price of $13.45.

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