Heritage Commerce is a banks - regional business based in the US. Heritage Commerce shares (HTBK) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $9.47 – a decrease of 3.17% over the previous week. Heritage Commerce employs 353 staff and has a trailing 12-month revenue of around $174.6 million.
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| Latest market close | $9.47 |
|---|---|
| 52-week range | $7.35 - $10.84 |
| 50-day moving average | $9.79 |
| 200-day moving average | $8.93 |
| Wall St. target price | $11.33 |
| PE ratio | 12.3797 |
| Dividend yield | $0.52 (5.34%) |
| Earnings per share (TTM) | $0.79 |
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Historical closes compared with the close of $9.82 from 2024-10-18
| 1 week (2024-10-15) | 0.41% |
|---|---|
| 1 month (2024-09-20) | -3.06% |
| 3 months (2024-07-22) | -3.44% |
| 6 months (2024-04-22) | 20.64% |
| 1 year (2023-10-20) | 20.94% |
|---|---|
| 2 years (2022-10-21) | -23.64% |
| 3 years (2021-10-22) | 11.79 |
| 5 years (2019-10-22) | 10.4932 |
Valuing Heritage Commerce stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Heritage Commerce's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Heritage Commerce's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Heritage Commerce shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Heritage Commerce's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.88. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Heritage Commerce's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
| Revenue TTM | $174.6 million |
|---|---|
| Operating margin TTM | 31.68% |
| Gross profit TTM | $189.2 million |
| Return on assets TTM | 0.92% |
| Return on equity TTM | 7.28% |
| Profit margin | 27.79% |
| Book value | $11.08 |
| Market Capitalization | $599.5 million |
TTM: trailing 12 months
Dividend payout ratio: 65.82% of net profits
Recently Heritage Commerce has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Heritage Commerce shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Heritage Commerce's case, that would currently equate to about $0.52 per share.
Heritage Commerce's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Heritage Commerce's most recent dividend payout was on 21 August 2024. The latest dividend was paid out to all shareholders who bought their shares by 7 August 2024 (the "ex-dividend date").
Heritage Commerce's shares were split on a 11:10 basis on 2 February 2000 . So if you had owned 10 shares the day before before the split, the next day you'd have owned 11 shares. This wouldn't directly have changed the overall worth of your Heritage Commerce shares – just the quantity. However, indirectly, the new 9.1% lower share price could have impacted the market appetite for Heritage Commerce shares which in turn could have impacted Heritage Commerce's share price.
Over the last 12 months, Heritage Commerce's shares have ranged in value from as little as $7.3542 up to $10.8408. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Heritage Commerce's is 0.914. This would suggest that Heritage Commerce's shares are less volatile than average (for this exchange).
Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. Its deposit products for business banking and retail markets include interest and non-interest-bearing demand, savings, and money market accounts, as well as certificates of deposit and time deposits. The company's loan portfolio comprises commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; small business administration loans; home equity lines of credit; multifamily loans on residential properties; residential mortgage loans; and consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes. In addition, it offers other banking services, including cashier's checks, bank by mail, night depositories, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, online bill pay, homeowner association, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services, as well as other customary banking, factoring financing, and electronic banking services. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California. .
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