Heritage Commerce Valuation
| HTBK Stock | USD 13.30 0.07 0.53% |
At this time, the firm appears to be undervalued. Heritage Commerce Corp retains a regular Real Value of $14.81 per share. The prevalent price of the firm is $13.3. Our model calculates the value of Heritage Commerce Corp from evaluating the firm fundamentals such as Current Valuation of 834.33 M, return on asset of 0.0084, and Return On Equity of 0.0684 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Heritage Commerce's valuation include:
Undervalued
Today
Please note that Heritage Commerce's price fluctuation is very steady at this time. Calculation of the real value of Heritage Commerce Corp is based on 3 months time horizon. Increasing Heritage Commerce's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Heritage Commerce's intrinsic value may or may not be the same as its current market price of 13.30, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 13.3 | Real 14.81 | Target 14.75 | Hype 13.26 |
The intrinsic value of Heritage Commerce's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Heritage Commerce's stock price.
Estimating the potential upside or downside of Heritage Commerce Corp helps investors to forecast how Heritage stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Heritage Commerce more accurately as focusing exclusively on Heritage Commerce's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Heritage Commerce's intrinsic value based on its ongoing forecasts of Heritage Commerce's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Heritage Commerce's closest peers.
Heritage Commerce Cash |
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Heritage Commerce Total Value Analysis
Heritage Commerce Corp is currently forecasted to have valuation of 834.33 M with market capitalization of 818.74 M, debt of 39.8 M, and cash on hands of 876.59 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Heritage Commerce fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
834.33 M | 818.74 M | 39.8 M | 876.59 M |
Heritage Commerce Investor Information
About 84.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.16. 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 5th of February 2026. The firm had 11:10 split on the 3rd of February 2000. Based on the measurements of operating efficiency obtained from Heritage Commerce's historical financial statements, Heritage Commerce Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.17 | 0.2544 |
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| Total Cash From Operating Activities | 28.1 M | 44.8 M |
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| Operating Income | 71.1 M | 67.7 M |
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Heritage Commerce Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Heritage suggests not a very effective usage of assets in February.Heritage Commerce Profitability Analysis
Based on the measurements of profitability obtained from Heritage Commerce's financial statements, Heritage Commerce Corp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Heritage Commerce's ability to earn profits and add value for shareholders.Net Income | First Reported 1998-03-31 | Previous Quarter 6.4 M | Current Value 15.1 M | Quarterly Volatility 7.6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.6 | 0.7263 |
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| Net Profit Margin | 0.11 | 0.1797 |
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| Operating Profit Margin | 0.17 | 0.2544 |
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| Pretax Profit Margin | 0.17 | 0.2547 |
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| Return On Assets | 0.005 | 0.0083 |
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| Return On Equity | 0.07 | 0.0675 |
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For Heritage Commerce profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Heritage Commerce Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Heritage Commerce utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Heritage Commerce's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Heritage Commerce over time as well as its relative position and ranking within its peers.
Heritage Commerce Earnings per Share Projection vs Actual
The next projected EPS of Heritage Commerce is estimated to be 0.25 with future projections ranging from a low of 0.25 to a high of 0.25. Heritage Commerce's most recent 12-month trailing earnings per share (EPS TTM) is at 0.78. Please be aware that the consensus of earnings estimates for Heritage Commerce Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Heritage Commerce Earnings Estimation Breakdown
The calculation of Heritage Commerce's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Heritage Commerce is estimated to be 0.25 with the future projection ranging from a low of 0.25 to a high of 0.25. Please be aware that this consensus of annual earnings estimates for Heritage Commerce Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.25 Lowest | Expected EPS | 0.25 Highest |
Heritage Commerce Earnings Projection Consensus
Suppose the current estimates of Heritage Commerce's value are higher than the current market price of the Heritage Commerce stock. In this case, investors may conclude that Heritage Commerce is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Heritage Commerce's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 4 | 93.19% | 0.28 | 0.25 | 0.78 |
Heritage Commerce Ownership Allocation
Heritage Commerce Corp has a total of 61.56 Million outstanding shares. The majority of Heritage Commerce Corp outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Heritage Commerce to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Heritage Commerce Corp. Please pay attention to any change in the institutional holdings of Heritage Commerce Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Heritage Commerce Profitability Analysis
The company reported the previous year's revenue of 266.14 M. Net Income was 40.53 M with profit before overhead, payroll, taxes, and interest of 195.65 M.Heritage Commerce Past Distributions to stockholders
About Heritage Commerce Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Heritage Commerce Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Heritage Commerce Corp based exclusively on its fundamental and basic technical indicators. By analyzing Heritage Commerce's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Heritage Commerce's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Heritage Commerce. We calculate exposure to Heritage Commerce's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Heritage Commerce's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 193.3 M | 203 M | |
| Pretax Profit Margin | 0.25 | 0.17 | |
| Operating Profit Margin | 0.25 | 0.17 | |
| Net Profit Margin | 0.18 | 0.11 | |
| Gross Profit Margin | 0.73 | 0.60 |
A single share of Heritage Commerce represents a small ownership stake in the entity. As a stockholder of Heritage, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Heritage Commerce Dividends Analysis For Valuation
Dividends Paid is expected to rise to about 38.5 M this year, although the value of Dividend Yield will most likely fall to 0.02. . At this time, Heritage Commerce's Retained Earnings are quite stable compared to the past year. Retained Earnings Total Equity is expected to rise to about 176.8 M this year, although the value of Earning Assets will most likely fall to about 1.1 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 36.6 M | 38.5 M | |
| Dividend Yield | 0.04 | 0.02 | |
| Dividend Payout Ratio | 0.67 | 0.41 | |
| Dividend Paid And Capex Coverage Ratio | 1.34 | 1.27 |
There are various types of dividends Heritage Commerce can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Heritage shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Heritage Commerce Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Heritage pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Heritage Commerce by the value of the dividends paid out.
Heritage Commerce Growth Indicators
Investing in growth stocks can be very risky. If the company such as Heritage Commerce does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 61.7 M | |
| Quarterly Earnings Growth Y O Y | 0.452 | |
| Forward Price Earnings | 11.0497 |
Heritage Commerce Current Valuation Indicators
Heritage Commerce's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Heritage Commerce's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Heritage Commerce, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Heritage Commerce's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Heritage Commerce's worth.When determining whether Heritage Commerce Corp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Heritage Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Heritage Commerce Corp Stock. Highlighted below are key reports to facilitate an investment decision about Heritage Commerce Corp Stock: 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 Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
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. Market participants price Heritage higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Heritage Commerce assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.452 | Dividend Share 0.52 | Earnings Share 0.78 | Revenue Per Share | Quarterly Revenue Growth 0.177 |
Heritage Commerce Corp's market price often diverges from its book value, the accounting figure shown on Heritage's balance sheet. Smart investors calculate Heritage Commerce's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Heritage Commerce's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental 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.