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HTBK Quote, Financials, Valuation and Earnings

Last price:
$9.16
Seasonality move :
-0.76%
Day range:
$9.22 - $9.41
52-week range:
$7.74 - $11.27
Dividend yield:
5.62%
P/E ratio:
13.60x
P/S ratio:
3.23x
P/B ratio:
0.82x
Volume:
354.8K
Avg. volume:
331.6K
1-year change:
18.89%
Market cap:
$569.8M
Revenue:
$172.4M
EPS (TTM):
$0.68

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
HTBK
Heritage Commerce
$46M $0.18 15.55% 28.89% $11.00
BHB
Bar Harbor Bankshares
$34.2M $0.68 -7.06% 2.99% $32.50
BUSE
First Busey
$140.8M $0.53 66.71% 34.75% $26.20
EFSC
Enterprise Financial Services
$162.8M $1.17 27.54% 2.69% $65.00
PNC
PNC Financial Services Group
$5.5B $3.39 20.09% 5.31% $196.20
PRK
Park National
$130.4M $2.15 6.51% 1.1% $170.67
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
HTBK
Heritage Commerce
$9.25 $11.00 $569.8M 13.60x $0.13 5.62% 3.23x
BHB
Bar Harbor Bankshares
$28.70 $32.50 $439.7M 10.07x $0.32 4.25% 2.92x
BUSE
First Busey
$22.37 $26.20 $2B 20.91x $0.25 4.38% 2.85x
EFSC
Enterprise Financial Services
$51.89 $65.00 $1.9B 10.17x $0.30 2.2% 3.61x
PNC
PNC Financial Services Group
$175.14 $196.20 $69.3B 12.37x $1.60 3.65% 3.31x
PRK
Park National
$158.09 $170.67 $2.6B 16.23x $1.07 2.7% 4.86x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
HTBK
Heritage Commerce
5.39% 1.425 6.77% --
BHB
Bar Harbor Bankshares
33.99% 1.218 53.25% 2.04x
BUSE
First Busey
15.34% 1.718 20.31% 8.66x
EFSC
Enterprise Financial Services
24.84% 1.440 30.02% 3.58x
PNC
PNC Financial Services Group
51.84% 1.745 87.23% --
PRK
Park National
17.47% 1.505 11.05% 14.28x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
HTBK
Heritage Commerce
-- -- 5.79% 6.13% 77.02% $14.8M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $7.8M
BUSE
First Busey
-- -- 3.13% 3.79% 24.34% $6.5M
EFSC
Enterprise Financial Services
-- -- 8.71% 10.81% 91.21% $35.6M
PNC
PNC Financial Services Group
-- -- 4.99% 11.16% 82.61% -$509M
PRK
Park National
-- -- 10.62% 12.97% 60.73% $36.8M

Heritage Commerce vs. Competitors

  • Which has Higher Returns HTBK or BHB?

    Bar Harbor Bankshares has a net margin of 25.73% compared to Heritage Commerce's net margin of 27.38%. Heritage Commerce's return on equity of 6.13% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTBK
    Heritage Commerce
    -- $0.19 $735.9M
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About HTBK or BHB?

    Heritage Commerce has a consensus price target of $11.00, signalling upside risk potential of 18.92%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 13.24%. Given that Heritage Commerce has higher upside potential than Bar Harbor Bankshares, analysts believe Heritage Commerce is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTBK
    Heritage Commerce
    3 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is HTBK or BHB More Risky?

    Heritage Commerce has a beta of 0.797, which suggesting that the stock is 20.309% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.652, suggesting its less volatile than the S&P 500 by 34.764%.

  • Which is a Better Dividend Stock HTBK or BHB?

    Heritage Commerce has a quarterly dividend of $0.13 per share corresponding to a yield of 5.62%. Bar Harbor Bankshares offers a yield of 4.25% to investors and pays a quarterly dividend of $0.32 per share. Heritage Commerce pays 78.61% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTBK or BHB?

    Heritage Commerce quarterly revenues are $45.2M, which are larger than Bar Harbor Bankshares quarterly revenues of $37.3M. Heritage Commerce's net income of $11.6M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Heritage Commerce's price-to-earnings ratio is 13.60x while Bar Harbor Bankshares's PE ratio is 10.07x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heritage Commerce is 3.23x versus 2.92x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTBK
    Heritage Commerce
    3.23x 13.60x $45.2M $11.6M
    BHB
    Bar Harbor Bankshares
    2.92x 10.07x $37.3M $10.2M
  • Which has Higher Returns HTBK or BUSE?

    First Busey has a net margin of 25.73% compared to Heritage Commerce's net margin of -24%. Heritage Commerce's return on equity of 6.13% beat First Busey's return on equity of 3.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTBK
    Heritage Commerce
    -- $0.19 $735.9M
    BUSE
    First Busey
    -- -$0.44 $2.6B
  • What do Analysts Say About HTBK or BUSE?

    Heritage Commerce has a consensus price target of $11.00, signalling upside risk potential of 18.92%. On the other hand First Busey has an analysts' consensus of $26.20 which suggests that it could grow by 17.12%. Given that Heritage Commerce has higher upside potential than First Busey, analysts believe Heritage Commerce is more attractive than First Busey.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTBK
    Heritage Commerce
    3 0 0
    BUSE
    First Busey
    1 2 0
  • Is HTBK or BUSE More Risky?

    Heritage Commerce has a beta of 0.797, which suggesting that the stock is 20.309% less volatile than S&P 500. In comparison First Busey has a beta of 0.777, suggesting its less volatile than the S&P 500 by 22.274%.

  • Which is a Better Dividend Stock HTBK or BUSE?

    Heritage Commerce has a quarterly dividend of $0.13 per share corresponding to a yield of 5.62%. First Busey offers a yield of 4.38% to investors and pays a quarterly dividend of $0.25 per share. Heritage Commerce pays 78.61% of its earnings as a dividend. First Busey pays out 47.65% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTBK or BUSE?

    Heritage Commerce quarterly revenues are $45.2M, which are smaller than First Busey quarterly revenues of $125M. Heritage Commerce's net income of $11.6M is higher than First Busey's net income of -$30M. Notably, Heritage Commerce's price-to-earnings ratio is 13.60x while First Busey's PE ratio is 20.91x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heritage Commerce is 3.23x versus 2.85x for First Busey. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTBK
    Heritage Commerce
    3.23x 13.60x $45.2M $11.6M
    BUSE
    First Busey
    2.85x 20.91x $125M -$30M
  • Which has Higher Returns HTBK or EFSC?

    Enterprise Financial Services has a net margin of 25.73% compared to Heritage Commerce's net margin of 36.37%. Heritage Commerce's return on equity of 6.13% beat Enterprise Financial Services's return on equity of 10.81%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTBK
    Heritage Commerce
    -- $0.19 $735.9M
    EFSC
    Enterprise Financial Services
    -- $1.31 $2.5B
  • What do Analysts Say About HTBK or EFSC?

    Heritage Commerce has a consensus price target of $11.00, signalling upside risk potential of 18.92%. On the other hand Enterprise Financial Services has an analysts' consensus of $65.00 which suggests that it could grow by 25.27%. Given that Enterprise Financial Services has higher upside potential than Heritage Commerce, analysts believe Enterprise Financial Services is more attractive than Heritage Commerce.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTBK
    Heritage Commerce
    3 0 0
    EFSC
    Enterprise Financial Services
    2 1 0
  • Is HTBK or EFSC More Risky?

    Heritage Commerce has a beta of 0.797, which suggesting that the stock is 20.309% less volatile than S&P 500. In comparison Enterprise Financial Services has a beta of 0.860, suggesting its less volatile than the S&P 500 by 13.977%.

  • Which is a Better Dividend Stock HTBK or EFSC?

    Heritage Commerce has a quarterly dividend of $0.13 per share corresponding to a yield of 5.62%. Enterprise Financial Services offers a yield of 2.2% to investors and pays a quarterly dividend of $0.30 per share. Heritage Commerce pays 78.61% of its earnings as a dividend. Enterprise Financial Services pays out 23.37% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTBK or EFSC?

    Heritage Commerce quarterly revenues are $45.2M, which are smaller than Enterprise Financial Services quarterly revenues of $137.4M. Heritage Commerce's net income of $11.6M is lower than Enterprise Financial Services's net income of $50M. Notably, Heritage Commerce's price-to-earnings ratio is 13.60x while Enterprise Financial Services's PE ratio is 10.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heritage Commerce is 3.23x versus 3.61x for Enterprise Financial Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTBK
    Heritage Commerce
    3.23x 13.60x $45.2M $11.6M
    EFSC
    Enterprise Financial Services
    3.61x 10.17x $137.4M $50M
  • Which has Higher Returns HTBK or PNC?

    PNC Financial Services Group has a net margin of 25.73% compared to Heritage Commerce's net margin of 27.19%. Heritage Commerce's return on equity of 6.13% beat PNC Financial Services Group's return on equity of 11.16%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTBK
    Heritage Commerce
    -- $0.19 $735.9M
    PNC
    PNC Financial Services Group
    -- $3.51 $117.2B
  • What do Analysts Say About HTBK or PNC?

    Heritage Commerce has a consensus price target of $11.00, signalling upside risk potential of 18.92%. On the other hand PNC Financial Services Group has an analysts' consensus of $196.20 which suggests that it could grow by 12.03%. Given that Heritage Commerce has higher upside potential than PNC Financial Services Group, analysts believe Heritage Commerce is more attractive than PNC Financial Services Group.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTBK
    Heritage Commerce
    3 0 0
    PNC
    PNC Financial Services Group
    11 7 1
  • Is HTBK or PNC More Risky?

    Heritage Commerce has a beta of 0.797, which suggesting that the stock is 20.309% less volatile than S&P 500. In comparison PNC Financial Services Group has a beta of 1.065, suggesting its more volatile than the S&P 500 by 6.503%.

  • Which is a Better Dividend Stock HTBK or PNC?

    Heritage Commerce has a quarterly dividend of $0.13 per share corresponding to a yield of 5.62%. PNC Financial Services Group offers a yield of 3.65% to investors and pays a quarterly dividend of $1.60 per share. Heritage Commerce pays 78.61% of its earnings as a dividend. PNC Financial Services Group pays out 49.06% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTBK or PNC?

    Heritage Commerce quarterly revenues are $45.2M, which are smaller than PNC Financial Services Group quarterly revenues of $5.4B. Heritage Commerce's net income of $11.6M is lower than PNC Financial Services Group's net income of $1.5B. Notably, Heritage Commerce's price-to-earnings ratio is 13.60x while PNC Financial Services Group's PE ratio is 12.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heritage Commerce is 3.23x versus 3.31x for PNC Financial Services Group. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTBK
    Heritage Commerce
    3.23x 13.60x $45.2M $11.6M
    PNC
    PNC Financial Services Group
    3.31x 12.37x $5.4B $1.5B
  • Which has Higher Returns HTBK or PRK?

    Park National has a net margin of 25.73% compared to Heritage Commerce's net margin of 32.4%. Heritage Commerce's return on equity of 6.13% beat Park National's return on equity of 12.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTBK
    Heritage Commerce
    -- $0.19 $735.9M
    PRK
    Park National
    -- $2.60 $1.5B
  • What do Analysts Say About HTBK or PRK?

    Heritage Commerce has a consensus price target of $11.00, signalling upside risk potential of 18.92%. On the other hand Park National has an analysts' consensus of $170.67 which suggests that it could grow by 7.96%. Given that Heritage Commerce has higher upside potential than Park National, analysts believe Heritage Commerce is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTBK
    Heritage Commerce
    3 0 0
    PRK
    Park National
    0 3 0
  • Is HTBK or PRK More Risky?

    Heritage Commerce has a beta of 0.797, which suggesting that the stock is 20.309% less volatile than S&P 500. In comparison Park National has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.656%.

  • Which is a Better Dividend Stock HTBK or PRK?

    Heritage Commerce has a quarterly dividend of $0.13 per share corresponding to a yield of 5.62%. Park National offers a yield of 2.7% to investors and pays a quarterly dividend of $1.07 per share. Heritage Commerce pays 78.61% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTBK or PRK?

    Heritage Commerce quarterly revenues are $45.2M, which are smaller than Park National quarterly revenues of $130.1M. Heritage Commerce's net income of $11.6M is lower than Park National's net income of $42.2M. Notably, Heritage Commerce's price-to-earnings ratio is 13.60x while Park National's PE ratio is 16.23x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heritage Commerce is 3.23x versus 4.86x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTBK
    Heritage Commerce
    3.23x 13.60x $45.2M $11.6M
    PRK
    Park National
    4.86x 16.23x $130.1M $42.2M

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