Heritage Commerce Corp Stock Net Income
| HTBK Stock | USD 12.78 0.09 0.70% |
As of the 26th of January, Heritage Commerce retains the Market Risk Adjusted Performance of 0.3383, downside deviation of 1.52, and Risk Adjusted Performance of 0.1756. Heritage Commerce technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
Heritage Commerce Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.2014 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 46.6 M | 48.9 M | |
| Net Income Applicable To Common Shares | 76.5 M | 80.4 M | |
| Net Income From Continuing Ops | 46.6 M | 50 M | |
| Net Income Per Share | 0.78 | 0.43 | |
| Net Income Per E B T | 0.71 | 0.90 |
Heritage | Net Income | Build AI portfolio with Heritage Stock |
Latest Heritage Commerce's Net Income Growth Pattern
Below is the plot of the Net Income of Heritage Commerce Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Heritage Commerce Corp financial statement analysis. It represents the amount of money remaining after all of Heritage Commerce Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Heritage Commerce's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Heritage Commerce's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 40.53 M | 10 Years Trend |
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Net Income |
| Timeline |
Heritage Net Income Regression Statistics
| Arithmetic Mean | 28,206,350 | |
| Geometric Mean | 16,001,311 | |
| Coefficient Of Variation | 68.06 | |
| Mean Deviation | 16,267,612 | |
| Median | 27,381,000 | |
| Standard Deviation | 19,197,247 | |
| Sample Variance | 368.5T | |
| Range | 66.5M | |
| R-Value | 0.72 | |
| Mean Square Error | 192T | |
| R-Squared | 0.51 | |
| Significance | 0 | |
| Slope | 2,719,096 | |
| Total Sum of Squares | 5896.5T |
Heritage Net Income History
Other Fundumenentals of Heritage Commerce Corp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Heritage Commerce Net Income component correlations
Heritage Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Heritage Commerce is extremely important. It helps to project a fair market value of Heritage Stock properly, considering its historical fundamentals such as Net Income. Since Heritage Commerce's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Heritage Commerce's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Heritage Commerce's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heritage Commerce. If investors know Heritage will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heritage Commerce listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.452 | Dividend Share 0.52 | Earnings Share 0.78 | Revenue Per Share | Quarterly Revenue Growth 0.177 |
The market value of Heritage Commerce Corp is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Commerce's value that differs from its market value or its book value, called intrinsic value, which is Heritage Commerce's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heritage Commerce's market value can be influenced by many factors that don't directly affect Heritage Commerce's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Commerce's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Commerce is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heritage Commerce's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Heritage Commerce 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Heritage Commerce's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Heritage Commerce.
| 10/28/2025 |
| 01/26/2026 |
If you would invest 0.00 in Heritage Commerce on October 28, 2025 and sell it all today you would earn a total of 0.00 from holding Heritage Commerce Corp or generate 0.0% return on investment in Heritage Commerce over 90 days. Heritage Commerce is related to or competes with Mid Penn, Camden National, MetroCity Bankshares, NB Bancorp, Orrstown Financial, Hingham Institution, and Great Southern. Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commerci... More
Heritage Commerce Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Heritage Commerce's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Heritage Commerce Corp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.52 | |||
| Information Ratio | 0.1904 | |||
| Maximum Drawdown | 12.43 | |||
| Value At Risk | (2.06) | |||
| Potential Upside | 2.97 |
Heritage Commerce Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Heritage Commerce's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Heritage Commerce's standard deviation. In reality, there are many statistical measures that can use Heritage Commerce historical prices to predict the future Heritage Commerce's volatility.| Risk Adjusted Performance | 0.1756 | |||
| Jensen Alpha | 0.3423 | |||
| Total Risk Alpha | 0.2538 | |||
| Sortino Ratio | 0.2398 | |||
| Treynor Ratio | 0.3283 |
Heritage Commerce January 26, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1756 | |||
| Market Risk Adjusted Performance | 0.3383 | |||
| Mean Deviation | 1.27 | |||
| Semi Deviation | 1.03 | |||
| Downside Deviation | 1.52 | |||
| Coefficient Of Variation | 432.21 | |||
| Standard Deviation | 1.91 | |||
| Variance | 3.65 | |||
| Information Ratio | 0.1904 | |||
| Jensen Alpha | 0.3423 | |||
| Total Risk Alpha | 0.2538 | |||
| Sortino Ratio | 0.2398 | |||
| Treynor Ratio | 0.3283 | |||
| Maximum Drawdown | 12.43 | |||
| Value At Risk | (2.06) | |||
| Potential Upside | 2.97 | |||
| Downside Variance | 2.3 | |||
| Semi Variance | 1.06 | |||
| Expected Short fall | (1.47) | |||
| Skewness | 1.44 | |||
| Kurtosis | 5.64 |
Heritage Commerce Corp Backtested Returns
Heritage Commerce appears to be not too volatile, given 3 months investment horizon. Heritage Commerce Corp holds Efficiency (Sharpe) Ratio of 0.21, which attests that the entity had a 0.21 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Heritage Commerce Corp, which you can use to evaluate the volatility of the firm. Please utilize Heritage Commerce's Downside Deviation of 1.52, market risk adjusted performance of 0.3383, and Risk Adjusted Performance of 0.1756 to validate if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Heritage Commerce holds a performance score of 16. The company retains a Market Volatility (i.e., Beta) of 1.32, which attests to a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Heritage Commerce will likely underperform. Please check Heritage Commerce's semi variance, and the relationship between the maximum drawdown and accumulation distribution , to make a quick decision on whether Heritage Commerce's current trending patterns will revert.
Auto-correlation | 0.71 |
Good predictability
Heritage Commerce Corp has good predictability. Overlapping area represents the amount of predictability between Heritage Commerce time series from 28th of October 2025 to 12th of December 2025 and 12th of December 2025 to 26th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Heritage Commerce Corp price movement. The serial correlation of 0.71 indicates that around 71.0% of current Heritage Commerce price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.71 | |
| Spearman Rank Test | 0.52 | |
| Residual Average | 0.0 | |
| Price Variance | 0.12 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Heritage Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Heritage Commerce Corp reported net income of 40.53 M. This is 96.83% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 92.9% higher than that of the company.
Heritage Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Heritage Commerce's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Heritage Commerce could also be used in its relative valuation, which is a method of valuing Heritage Commerce by comparing valuation metrics of similar companies.Heritage Commerce is currently under evaluation in net income category among its peers.
Heritage Commerce ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Heritage Commerce's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Heritage Commerce's managers, analysts, and investors.Environmental | Governance | Social |
Heritage Commerce Institutional Holders
Institutional Holdings refers to the ownership stake in Heritage Commerce that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Heritage Commerce's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Heritage Commerce's value.| Shares | Goldman Sachs Group Inc | 2025-06-30 | 1.1 M | Boston Partners Global Investors, Inc | 2025-06-30 | 1.1 M | American Century Companies Inc | 2025-06-30 | 1.1 M | Kennedy Capital Management Inc | 2025-06-30 | 868.9 K | Alti Global Inc | 2025-06-30 | 656.6 K | Rhino Investment Partners, Inc. | 2025-06-30 | 612.2 K | Northern Trust Corp | 2025-06-30 | 585.6 K | Charles Schwab Investment Management Inc | 2025-06-30 | 505.7 K | Two Sigma Advisers, Llc | 2025-06-30 | 502.1 K | Blackrock Inc | 2025-06-30 | 7.9 M | Vanguard Group Inc | 2025-06-30 | 3.6 M |
Heritage Fundamentals
| Return On Equity | 0.0684 | |||
| Return On Asset | 0.0084 | |||
| Profit Margin | 0.24 % | |||
| Operating Margin | 0.41 % | |||
| Current Valuation | 807.94 M | |||
| Shares Outstanding | 61.37 M | |||
| Shares Owned By Insiders | 3.00 % | |||
| Shares Owned By Institutions | 80.99 % | |||
| Number Of Shares Shorted | 1.14 M | |||
| Price To Earning | 19.19 X | |||
| Price To Book | 1.11 X | |||
| Price To Sales | 4.04 X | |||
| Revenue | 266.14 M | |||
| Gross Profit | 195.65 M | |||
| EBITDA | 71.21 M | |||
| Net Income | 40.53 M | |||
| Cash And Equivalents | 876.59 M | |||
| Cash Per Share | 14.45 X | |||
| Total Debt | 39.65 M | |||
| Debt To Equity | 0.05 % | |||
| Book Value Per Share | 11.55 X | |||
| Cash Flow From Operations | 38.97 M | |||
| Short Ratio | 1.02 X | |||
| Earnings Per Share | 0.78 X | |||
| Price To Earnings To Growth | 1.88 X | |||
| Target Price | 14.5 | |||
| Number Of Employees | 350 | |||
| Beta | 0.78 | |||
| Market Capitalization | 790.74 M | |||
| Total Asset | 5.65 B | |||
| Retained Earnings | 187.76 M | |||
| Annual Yield | 0.04 % | |||
| Five Year Return | 4.30 % | |||
| Net Asset | 5.65 B | |||
| Last Dividend Paid | 0.52 |
About Heritage Commerce Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Heritage Commerce Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Heritage Commerce using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Heritage Commerce Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Try AI Portfolio ProphetCheck out Heritage Commerce Piotroski F Score and Heritage Commerce Altman Z Score analysis. You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heritage Commerce. If investors know Heritage will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heritage Commerce listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.452 | Dividend Share 0.52 | Earnings Share 0.78 | Revenue Per Share | Quarterly Revenue Growth 0.177 |
The market value of Heritage Commerce Corp is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Commerce's value that differs from its market value or its book value, called intrinsic value, which is Heritage Commerce's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heritage Commerce's market value can be influenced by many factors that don't directly affect Heritage Commerce's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Commerce's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Commerce is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heritage Commerce's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.