Is Heritage Commerce Stock a Good Investment?
Heritage Commerce Investment Advice | HTBK |
- Examine Heritage Commerce's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Heritage Commerce's leadership team and their track record. Good management can help Heritage Commerce navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Heritage Commerce's business and its evolving consumer preferences.
- Compare Heritage Commerce's performance and market position to its competitors. Analyze how Heritage Commerce is positioned in terms of product offerings, innovation, and market share.
- Check if Heritage Commerce pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Heritage Commerce's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Heritage Commerce Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Heritage Commerce Corp is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Heritage Commerce Stock
Researching Heritage Commerce's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 79.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.95. Some equities with similar Price to Book (P/B) outperform the market in the long run. Heritage Commerce Corp has Price/Earnings To Growth (PEG) ratio of 1.88. The entity last dividend was issued on the 6th of February 2025. The firm had 11:10 split on the 3rd of February 2000.
To determine if Heritage Commerce is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Heritage Commerce's research are outlined below:
| Heritage Commerce has a strong financial position based on the latest SEC filings | |
| Over 79.0% of the company shares are owned by institutional investors | |
| Latest headline from gurufocus.com: FJ Capital Management LLC Reduces Stake in Heritage Commerce Corp |
Heritage Commerce Quarterly Liabilities And Stockholders Equity |
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Heritage Commerce uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Heritage Commerce Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Heritage Commerce's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Heritage Commerce's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Heritage Commerce's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2013-10-24 | 2013-09-30 | 0.09 | 0.1 | 0.01 | 11 | ||
2013-07-25 | 2013-06-30 | 0.08 | 0.09 | 0.01 | 12 | ||
2013-04-25 | 2013-03-31 | 0.08 | 0.07 | -0.01 | 12 | ||
2012-01-26 | 2011-12-31 | 0.06 | 0.07 | 0.01 | 16 | ||
2024-04-26 | 2024-03-31 | 0.19 | 0.17 | -0.02 | 10 | ||
2021-04-22 | 2021-03-31 | 0.17 | 0.19 | 0.02 | 11 | ||
2020-10-22 | 2020-09-30 | 0.17 | 0.19 | 0.02 | 11 | ||
2016-01-28 | 2015-12-31 | 0.14 | 0.12 | -0.02 | 14 |
Heritage Commerce Target Price Consensus
Heritage target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Heritage Commerce's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 6 | Strong Buy |
Most Heritage analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Heritage stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Heritage Commerce Corp, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationHeritage Commerce Target Price Projection
Heritage Commerce's current and average target prices are 10.65 and 11.75, respectively. The current price of Heritage Commerce is the price at which Heritage Commerce Corp is currently trading. On the other hand, Heritage Commerce's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Heritage Commerce Market Quote on 16th of February 2025
Target Price
Analyst Consensus On Heritage Commerce Target Price
Heritage Commerce Analyst Ratings
Heritage Commerce's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Heritage Commerce stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Heritage Commerce's financials, market performance, and future outlook by experienced professionals. Heritage Commerce's historical ratings below, therefore, can serve as a valuable tool for investors.Know Heritage Commerce's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Heritage Commerce is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Heritage Commerce Corp backward and forwards among themselves. Heritage Commerce's institutional investor refers to the entity that pools money to purchase Heritage Commerce's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Goldman Sachs Group Inc | 2024-09-30 | 1 M | Ategra Capital Management Llc | 2024-09-30 | 847.8 K | Hotchkis & Wiley Capital Management Llc | 2024-09-30 | 711.2 K | Alti Global Inc | 2024-09-30 | 648.3 K | Endeavour Capital Advisors Inc | 2024-09-30 | 621.7 K | Kennedy Capital Management Inc | 2024-09-30 | 585.2 K | Northern Trust Corp | 2024-09-30 | 584 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 567.9 K | Nuveen Asset Management, Llc | 2024-09-30 | 508.5 K | Blackrock Inc | 2024-09-30 | 8.2 M | Jpmorgan Chase & Co | 2024-09-30 | 4.6 M |
Heritage Commerce's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 653.36 M.Market Cap |
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Heritage Commerce's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.05 |
Determining Heritage Commerce's profitability involves analyzing its financial statements and using various financial metrics to determine if Heritage Commerce is a good buy. For example, gross profit margin measures Heritage Commerce's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Heritage Commerce's profitability and make more informed investment decisions.
Evaluate Heritage Commerce's management efficiency
At this time, Heritage Commerce's Return On Tangible Assets are quite stable compared to the past year. Return On Assets is expected to rise to 0.01 this year, although the value of Return On Capital Employed will most likely fall to 0.02. At this time, Heritage Commerce's Liabilities And Stockholders Equity is quite stable compared to the past year. Non Current Liabilities Total is expected to rise to about 5.5 B this year, although the value of Total Current Liabilities will most likely fall to about 4 M. Heritage Commerce's management efficiency ratios could be used to measure how well Heritage Commerce manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Enterprise Value Over EBITDA | 2.90 | 3.20 | |
| Book Value Per Share | 9.92 | 6.26 | |
| Tangible Book Value Per Share | 7.32 | 5.19 | |
| Price Book Value Ratio | 1.03 | 1.67 | |
| Enterprise Value Multiple | 2.90 | 3.20 | |
| Price Fair Value | 1.03 | 1.67 | |
| Enterprise Value | 272.4 M | 286 M |
Heritage Commerce's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Basic technical analysis of Heritage Stock
As of the 16th of February 2025, Heritage Commerce retains the Risk Adjusted Performance of 0.0317, market risk adjusted performance of 0.0765, and Downside Deviation of 1.37. 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Heritage Commerce insiders, such as employees or executives, is commonly permitted as long as it does not rely on Heritage Commerce's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Heritage Commerce insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Heritage Commerce's Outstanding Corporate Bonds
Heritage Commerce issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Heritage Commerce Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Heritage bonds can be classified according to their maturity, which is the date when Heritage Commerce Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Valero Energy Partners Corp BondUS91914JAA07 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View |
Understand Heritage Commerce's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Heritage Commerce's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0317 | |||
| Market Risk Adjusted Performance | 0.0765 | |||
| Mean Deviation | 1.08 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.37 | |||
| Coefficient Of Variation | 2673.9 | |||
| Standard Deviation | 1.49 | |||
| Variance | 2.21 | |||
| Information Ratio | 0.0299 | |||
| Jensen Alpha | 0.0449 | |||
| Total Risk Alpha | 0.0433 | |||
| Sortino Ratio | 0.0325 | |||
| Treynor Ratio | 0.0665 | |||
| Maximum Drawdown | 8.3 | |||
| Value At Risk | (1.76) | |||
| Potential Upside | 2.77 | |||
| Downside Variance | 1.88 | |||
| Semi Variance | 1.62 | |||
| Expected Short fall | (1.32) | |||
| Skewness | 0.1388 | |||
| Kurtosis | 1.53 |
| Risk Adjusted Performance | 0.0317 | |||
| Market Risk Adjusted Performance | 0.0765 | |||
| Mean Deviation | 1.08 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.37 | |||
| Coefficient Of Variation | 2673.9 | |||
| Standard Deviation | 1.49 | |||
| Variance | 2.21 | |||
| Information Ratio | 0.0299 | |||
| Jensen Alpha | 0.0449 | |||
| Total Risk Alpha | 0.0433 | |||
| Sortino Ratio | 0.0325 | |||
| Treynor Ratio | 0.0665 | |||
| Maximum Drawdown | 8.3 | |||
| Value At Risk | (1.76) | |||
| Potential Upside | 2.77 | |||
| Downside Variance | 1.88 | |||
| Semi Variance | 1.62 | |||
| Expected Short fall | (1.32) | |||
| Skewness | 0.1388 | |||
| Kurtosis | 1.53 |
Consider Heritage Commerce's intraday indicators
Heritage Commerce intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Heritage Commerce stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Heritage Commerce Corporate Filings
| 12th of February 2025 Other Reports | ViewVerify | |
F3 | 10th of February 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 3rd of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 13th of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Heritage Stock media impact
Far too much social signal, news, headlines, and media speculation about Heritage Commerce that are available to investors today. That information is available publicly through Heritage media outlets and privately through word of mouth or via Heritage internal channels. However, regardless of the origin, that massive amount of Heritage data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Heritage Commerce news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Heritage Commerce relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Heritage Commerce's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Heritage Commerce alpha.
Heritage Commerce Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Heritage Commerce can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Heritage Commerce Corporate Management
| Diana Olveira | VP Director | Profile | |
| Sachin Vaidya | Executive Officer | Profile | |
| Glen Shu | Executive Group | Profile | |
| Deborah Reuter | Chief VP | Profile | |
| Jeffrey Javits | EVP Officer | Profile |
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heritage Commerce Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
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 (0.22) | Dividend Share 0.52 | Earnings Share 0.66 | Revenue Per Share | Quarterly Revenue Growth 0.025 |
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.
In summary, please note that there is a difference between Heritage Commerce's value and its price, as these two are different measures arrived at by various 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.