Heritage Commerce Corp (HTBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Heritage Commerce Corp stock (HTBK) is currently trading at $12.43. Heritage Commerce Corp PE ratio is 15.94. Heritage Commerce Corp PS ratio (Price-to-Sales) is 3.91. Analyst consensus price target for HTBK is $14.50. WallStSmart rates HTBK as Moderate Buy.
- HTBK PE ratio analysis and historical PE chart
- HTBK PS ratio (Price-to-Sales) history and trend
- HTBK intrinsic value — DCF, Graham Number, EPV models
- HTBK stock price prediction 2025 2026 2027 2028 2029 2030
- HTBK fair value vs current price
- HTBK insider transactions and insider buying
- Is HTBK undervalued or overvalued?
- Heritage Commerce Corp financial analysis — revenue, earnings, cash flow
- HTBK Piotroski F-Score and Altman Z-Score
- HTBK analyst price target and Smart Rating
Heritage Commerce Corp
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HTBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Heritage Commerce Corp (HTBK)
HTBK trades at a significant discount to its Graham intrinsic value of $36.50, offering a 64% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Heritage Commerce Corp (HTBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Heritage Commerce Corp (HTBK) Key Strengths (5)
Keeps $45 of every $100 in revenue after operating costs
Earnings per share surging 45.20% year-over-year
Keeps $24 of every $100 in revenue as net profit
82.48% of shares held by major funds and institutions
Trading at 1.05x book value, attractively priced
Supporting Valuation Data
Heritage Commerce Corp (HTBK) Areas to Watch (5)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.91x sales
Solid revenue growth at 17.70% per year
Heritage Commerce Corp (HTBK) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.05) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 45.30%, Profit Margin at 24.40%. Growth metrics are encouraging with EPS Growth at 45.20%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, PEG Ratio. Some valuation metrics including PEG Ratio (1.50), Price/Sales (3.91) suggest expensive pricing. Growth concerns include Revenue Growth at 17.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.84%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.84% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HTBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HTBK's Price-to-Sales ratio of 3.91x trades 49% below its historical average of 7.65x (15th percentile). The current valuation is 80% below its historical high of 19.29x set in Feb 2007, and 100% above its historical low of 1.96x in Oct 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Heritage Commerce Corp (HTBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Heritage Commerce Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 196M with 18% growth year-over-year. Profit margins are strong at 24.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 684.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.4% and operating margin of 45.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 432.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Heritage Commerce Corp.
Bottom Line
Heritage Commerce Corp offers an attractive blend of growth (18% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(37 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:21:38 AM
About Heritage Commerce Corp(HTBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Heritage Commerce Corp is the banking holding company for Heritage Bank of Commerce providing various commercial and personal banking services to residents and the business / professional community in California. The company is headquartered in San Jose, California.