HERITAGE COMMERCE CORP

HTBK

HERITAGE COMMERCE CORP

HTBK

Insider Sentiment (TTM):

Last Purchase:2025-08-01Last Sale:2025-09-09Shares Purchased (TTM):0Shares Sold (TTM):5,889

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:49,702,924Shares Outstanding:61,407,520Institutional Ownership Pct.:80.94%

Earnings Market Reaction:

Filing Date:2026-03-09Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Cash And Due From Banks	22	42	55	44	30	50	37	33	42	40	43	41
Interest Bearing Deposits In Banks	625	705	666	701	938	907	611	509	367	605	469	699
Cash Cash Equivalents And Federal Funds Sold	647	748	722	745	968	956	648	541	408	646	512	740
Available For Sale Securities Debt Securities	-	-	-	-	-	-	-	-	-	-	-	492
Debt Securities Available For Sale Excluding Accru…	593	408	307	371	256	238	273	404	443	457	486	-
Loans Receivable Held For Sale Net Not Part Of Dis…	1	1	1	2	2	2	2	2	2	1	3	3
Assets
Assets	5,765	5,624	5,467	5,514	5,645	5,552	5,263	5,256	5,194	5,403	5,312	5,537
Notes Receivable Gross	-	-	-	-	-	-	-	-	-	-	-	3,262
Financing Receivable Excluding Accrued Interest Be…	3,653	3,582	3,534	3,487	3,492	3,410	3,380	3,336	3,350	3,285	3,289	3,262
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	-	-	-	-	-	-	-47
Financing Receivable Allowance For Credit Loss Exc…	-50	-49	-49	-48	-49	-48	-48	-48	-48	-48	-48	-47
Notes Receivable Net	-	-	-	-	-	-	-	-	-	-	-	3,215
Financing Receivable Excluding Accrued Interest Af…	3,603	3,532	3,486	3,439	3,443	3,362	3,332	3,288	3,302	3,238	3,241	-
Other Investments	33	33	33	33	33	33	33	33	33	33	33	33
Bank Owned Life Insurance	83	83	82	82	81	81	80	80	79	80	80	79
Property Plant And Equipment Net	9	9	10	10	10	10	10	10	10	10	9	9
Goodwill	168	168	168	168	168	168	168	168	168	168	168	168
Finite Lived Intangible Assets Net	5	5	6	6	6	7	8	8	9	9	10	10
Interest Receivable And Other Assets	93	92	93	83	87	91	89	86	90	99	89	90
Liabilities And Stockhold…
Liabilities
Deposits Liabilities Bala…
Noninterest Bearing Domestic Deposit Demand	1,309	1,242	1,151	1,129	1,214	1,272	1,187	1,242	1,292	1,244	1,320	1,469
Interest Bearing Domestic Deposit Demand	957	922	956	949	937	914	928	925	914	1,004	1,065	1,197
Deposits	4,903	4,777	4,627	4,683	4,820	4,730	4,445	4,445	4,378	4,575	4,501	4,445
Deposits Savings Deposits	1,381	1,367	1,320	1,353	1,326	1,310	1,127	1,125	1,088	1,111	1,076	1,265
Other Short Term Borrowings	-	-	-	-	-	-	-	-	-	-	-	300
Subordinated Debt	40	40	40	40	40	40	40	40	40	39	39	39
Liabilities	5,056	4,924	4,773	4,818	4,955	4,866	4,584	4,580	4,521	4,741	4,658	4,889
Preferred Stock Value	0	0	0	-	0	-	-	-	-	-	-	-
Common Stock Value	510	509	510	512	510	509	508	508	507	506	505	504
Stockholders Equity
Stockholders Equity	709	700	695	696	690	685	679	676	673	662	654	647
Retained Earnings Accumulated Deficit	204	197	190	191	188	185	183	181	179	174	166	157
Accumulated Other Comprehensive Income Loss Net Of…	-5	-5	-5	-7	-8	-9	-12	-13	-13	-17	-17	-14
Liabilities And Stockholders Equity	5,765	5,624	5,467	5,514	5,645	5,552	5,263	5,256	5,194	5,403	5,312	5,537
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	-	-	-	-	-	-	-	-	0
Held To Maturity Securiti…
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	-
Held To Maturity Securities Fair Value	466	477	486	496	497	532	527	543	564	542	586	608
Preferred Stock Number Of…
Preferred Stock No Par Value	-	-	-	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Number Of Sh…
Common Stock No Par Value	-	-	-	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	61	61	61	62	61	61	61	61	61	61	61	61
Shares Outstanding	61	61	61	62	61	61	61	61	61	61	61	61

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	2.21%	8.06%	5.74%	11.08%	8.49%	13.98%	1.87%	17.31%	20.39%	3.58%	-	-
2024	-2.63%	3.94%	27.36%	7.27%	1.90%	0.21%	1.34%	-10.02%	-8.97%	-11.86%	-3.23%	-2.26%
2023	8.61%	16.51%	29.91%	-8.06%	-12.11%	-14.39%	4.98%	14.81%	6.37%	-4.91%	-1.29%	-3.16%
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Performance and Valuation Metrics

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Metrics	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Leverage & Debt
Interest Coverage TTM	-0.63	-0.66	-0.68	-0.65	-0.34	0.14	0.89	2.27	2.77	3.67	5.26	8.21
Per Share Metrics
Diluted EPS TTM	0.78	0.70	0.64	0.68	0.66	0.70	0.79	0.91	1.05	1.17	1.21	1.19
Free Cash Flow Per Share TTM	1.00	0.93	0.70	0.74	0.61	0.27	0.45	0.79	1.17	1.69	1.69	1.35
Dividend Per Share TTM	0.52	0.52	0.52	0.52	0.52	0.52	0.52	0.52	0.52	0.52	0.52	0.52
Margin Metrics
Gross Profit Margin TTM	-1,842.08%	-1,993.40%	-2,076.62%	-2,138.95%	-2,119.91%	-2,239.50%	-2,096.42%	-1,872.14%	-1,238.17%	-615.23%	-324.63%	-147.43%
Operating Profit Margin TTM	1,838.10%	1,680.22%	1,506.34%	1,638.14%	1,591.52%	1,718.90%	1,968.37%	2,251.74%	2,082.91%	1,912.54%	1,810.66%	1,784.11%
Net Profit Margin TTM	1,296.91%	1,202.39%	1,083.09%	1,174.16%	1,138.11%	1,230.36%	1,400.38%	1,602.65%	1,484.52%	1,355.84%	1,278.00%	1,258.12%
Growth Metrics
Net Revenue Growth (1Y)	3.57%	2.56%	4.30%	2.91%	-17.97%	-33.75%	-40.31%	-39.79%	-6.44%	52.28%	114.44%	130.93%
Net Income Growth (1Y)	18.02%	0.23%	-19.33%	-24.61%	-37.11%	-39.88%	-34.59%	-23.30%	-3.17%	20.42%	33.99%	47.09%
EPS Growth (1Y)	17.75%	0.17%	-19.63%	-24.97%	-37.35%	-40.08%	-34.86%	-23.64%	-3.47%	19.62%	32.90%	45.85%
Calculated Values
Free Cash Flow TTM	61.24M	57.10M	43.13M	45.27M	37.35M	16.62M	27.80M	48.40M	71.34M	103.35M	103.36M	82.36M
Net Debt	-647.03M	-747.74M	-721.79M	-745.05M	-968.12M	-956.31M	-648.26M	-541.36M	-408.13M	-645.55M	-511.50M	-740.01M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-09-09Sale

Owner: Cabral, Bruce H

Title: -

Shares: 5,889

Price/Share: $10.22

Value: $60,185.58

Shares Owned: 30,308

Relationship: Director

Ownership: Direct

2025-08-01Purchase

Owner: Sa, Thomas A

Title: EVP/Chief Operating Officer

Shares: 20,000

Price/Share: $9.25

Value: $185,000.00

Shares Owned: 20,000

Relationship: Officer

Ownership: Direct

2025-03-10Sale

Owner: Jones, Robertson Clay Jr

Title: President and CEO

Shares: 5,145

Price/Share: $9.73

Value: $50,060.85

Shares Owned: 254,227

Relationship: Director,Officer

Ownership: Direct

2025-03-10Sale

Owner: Just, Susan Svensson

Title: EVP/Chief Credit Officer

Shares: 1,602

Price/Share: $9.73

Value: $15,587.46

Shares Owned: 10,774

Relationship: Officer

Ownership: Direct

2025-02-27Sale

Owner: Conner, Jack W

Title: -

Shares: 4,000

Price/Share: $10.52

Value: $42,080.00

Shares Owned: 108,512

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-09-09	Cabral, Bruce H	Director	-	Direct	Sale	5,889	10.22	$60,185.58	30,308	4
2025-08-01	Sa, Thomas A	Officer	EVP/Chief Operating Officer	Direct	Purchase	20,000	9.25	$185,000.00	20,000	4
2025-03-10	Jones, Robertson Clay Jr	Director,Officer	President and CEO	Direct	Sale	5,145	9.73	$50,060.85	254,227	4/A
2025-03-10	Just, Susan Svensson	Officer	EVP/Chief Credit Officer	Direct	Sale	1,602	9.73	$15,587.46	10,774	4
2025-02-27	Conner, Jack W	Director	-	Direct	Sale	4,000	10.52	$42,080.00	108,512	4
2024-01-31	Conner, Jack W	Director	-	Direct	Sale	6,944	8.92	$61,940.48	102,501	4
2023-05-05	Conner, Jack W	Director	-	Indirect	Purchase	5,000	7.37	$36,850.00	44,344	4
2023-05-02	Conner, Jack W	Director	-	Indirect	Purchase	10,000	7.61	$76,100.00	39,344	4
2023-03-06	Dinapoli, Jason Philip	Director	-	Indirect	Purchase	3,660	11.92	$43,627.20	340,187	4
2023-03-03	Moles, Robert	Director	-	Direct	Sale	9,000	11.91	$107,190.00	43,560	4
2023-02-22	Husain, Kamran F	Director	-	Direct	Purchase	2,000	12.25	$24,500.00	6,436	4
2023-02-07	Heitel, Stephen G.	Director	-	Direct	Sale	20,000	12.49	$249,800.00	22,623	4
2022-12-06	Dinapoli, Jason Philip	Director	-	Indirect	Purchase	1,727	13.62	$23,521.74	336,527	4
2022-11-17	Mcgovern, Lawrence D	Officer	EVP/CFO	Indirect	Sale	22,500	14.59	$328,275.00	97,029	4
2022-11-10	Dinapoli, Jason Philip	Director	-	Indirect	Purchase	6,175	14.36	$88,673.00	333,475	4
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Institutional Ownership

No data available for chart

2026-03-31

80.94%

Inst. Shares: 49,702,924

Shares Outstanding: 61,407,520

2025-12-31

80.58%

Inst. Shares: 49,479,738

Shares Outstanding: 61,407,520

2025-09-30

78.11%

Inst. Shares: 47,906,311

Shares Outstanding: 61,333,951

2025-06-30

76.46%

Inst. Shares: 47,027,587

Shares Outstanding: 61,508,180

2025-03-31

75.99%

Inst. Shares: 46,719,549

Shares Outstanding: 61,479,579

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	49,702,924	61,407,520	80.94%
2025-12-31	49,479,738	61,407,520	80.58%
2025-09-30	47,906,311	61,333,951	78.11%
2025-06-30	47,027,587	61,508,180	76.46%
2025-03-31	46,719,549	61,479,579	75.99%
2024-12-31	46,154,930	61,270,730	75.33%
2024-09-30	46,444,917	61,295,877	75.77%
2024-06-30	47,007,779	61,279,914	76.71%
2024-03-31	42,753,185	61,186,623	69.87%
2023-12-31	39,654,403	61,038,857	64.97%
2023-09-30	36,923,496	61,093,289	60.44%
2023-06-30	36,985,662	61,035,435	60.60%
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HERITAGE COMMERCE CORP (HTBK) — SEC Financial Statements & Analysis

HERITAGE COMMERCE CORP (HTBK) is a state commercial banks company, incorporated in CA. HERITAGE COMMERCE CORP trades on Nasdaq as: HTBK. Based on its latest SEC filing (Form 10-Q, period ending 2025-12-31), HERITAGE COMMERCE CORP reported a 3.57% year-over-year revenue growth, a Gross Profit Margin of -1842.08% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.57%
Gross Profit Margin TTM: -1842.08%

Data as of 2025-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is HERITAGE COMMERCE CORP in?

HERITAGE COMMERCE CORP (HTBK) operates in the State Commercial Banks industry.

What exchange does HTBK trade on?

HERITAGE COMMERCE CORP (HTBK) trades on the Nasdaq.

Where is HERITAGE COMMERCE CORP incorporated?

HERITAGE COMMERCE CORP is incorporated in CA.