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How to buy Heritage Commerce stock (HTBK)

Buy Heritage Commerce stock in 5 easy steps, view past price performance and learn what’s ahead for the company.

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. Heritage Commerce employs 351 staff and has a trailing 12-month revenue of around $181.4 million.

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  4. Search for the stock name – HTBK. Search for the stock by name or ticker symbol.
  5. Buy the stock. Place your order. It's that simple.

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Heritage Commerce stock price (NASDAQ: HTBK)

Use our graph to track the performance of HTBK stocks over time.

Heritage Commerce shares at a glance

Information last updated 2024-07-07.
Latest market close$9.16
52-week range$7.46 - $9.90
50-day moving average $8.18
200-day moving average $8.55
Wall St. target price$10.33
PE ratio 9.033
Dividend yield $0.52 (6.33%)
Earnings per share (TTM) $0.91

Is it a good time to buy Heritage Commerce stock?

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.

Heritage Commerce price performance over time

Historical closes compared with the close of $9.16 from 2024-07-12

1 week (2024-07-05) 11.44%
1 month (2024-06-14) 17.74%
3 months (2024-04-12) 15.80%
6 months (2024-01-12) -2.86%
1 year (2023-07-14) 5.17%
2 years (2022-07-14) -13.67%
3 years (2021-07-14) 11.2431
5 years (2019-07-12) 10.9497

Is Heritage Commerce stock undervalued or overvalued?

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 P/E ratio

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 9x. In other words, Heritage Commerce shares trade at around 9x 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 PEG ratio

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.

Heritage Commerce financials

Revenue TTM $181.4 million
Operating margin TTM 34.37%
Gross profit TTM $189.2 million
Return on assets TTM 1.03%
Return on equity TTM 8.42%
Profit margin 30.7%
Book value $11.04
Market Capitalization $503.5 million

TTM: trailing 12 months

Heritage Commerce share dividends

57%

Dividend payout ratio: 57.14% of net profits

Recently Heritage Commerce has paid out, on average, around 57.14% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 6.33% 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 6.33% 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 22 May 2024. The latest dividend was paid out to all shareholders who bought their shares by 7 May 2024 (the "ex-dividend date").

Have Heritage Commerce's shares ever split?

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.

Heritage Commerce share price volatility

Over the last 12 months, Heritage Commerce's shares have ranged in value from as little as $7.4553 up to $9.9026. A popular way to gauge a stock's volatility is its "beta".

HTBK.US volatility(beta: 0.93)Avg. volatility(beta: 1.00)LowHigh

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 0.925. This would suggest that Heritage Commerce's shares are less volatile than average (for this exchange).

Heritage Commerce overview

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. .

Frequently asked questions

What percentage of Heritage Commerce is owned by insiders or institutions?
Currently 4.018% of Heritage Commerce shares are held by insiders and 76.6% by institutions.
How many people work for Heritage Commerce?
Latest data suggests 351 work at Heritage Commerce.
When does the fiscal year end for Heritage Commerce?
Heritage Commerce's fiscal year ends in December.
Where is Heritage Commerce based?
Heritage Commerce's address is: 224 Airport Parkway, San Jose, CA, United States, 95110
What is Heritage Commerce's ISIN number?
Heritage Commerce's international securities identification number is: US4269271098
What is Heritage Commerce's CUSIP number?
Heritage Commerce's Committee on Uniform Securities Identification Procedures number is: 426927109

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