Heritage Commerce Corp.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US4269271098
USD
11.34
0.22 (1.98%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

295.68 k

Shareholding (Mar 2025)

FII

6.25%

Held by 73 FIIs

DII

64.02%

Held by 36 DIIs

Promoter

0.28%

How big is Heritage Commerce Corp.?

22-Jun-2025

As of Jun 18, Heritage Commerce Corp. has a market capitalization of $563.60 million, with total assets of $5,645.01 million and shareholder's funds of $689.73 million.

As of Jun 18, Heritage Commerce Corp. has a market capitalization of 563.60 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 247.57 million and a net profit of 41.99 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 689.73 million and total assets at 5,645.01 million.

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What does Heritage Commerce Corp. do?

22-Jun-2025

Heritage Commerce Corp is a micro-cap bank holding company in the Regional Banks industry, with recent net sales of $62 million and a net profit of $12 million. Key metrics include a P/E ratio of 14.00 and a return on equity of 6.03%.

Overview:<BR>Heritage Commerce Corp is a bank holding company operating in the Regional Banks industry, with a market cap classified as Micro Cap.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 62 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 12 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 563.60 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 14.00<BR>Dividend Yield: 0.00%<BR>Debt Equity: 0.00<BR>Return on Equity: 6.03%<BR>Price to Book: 0.81<BR><BR>Contact Details:<BR>Address: 224 Airport Parkway, SAN JOSE CA: 95110<BR>Tel: 1 408 9476900<BR>Website: http://www.heritagecommercecorp.com/

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Should I buy, sell or hold Heritage Commerce Corp.?

22-Jun-2025

Who are in the management team of Heritage Commerce Corp.?

22-Jun-2025

As of March 2022, the management team of Heritage Commerce Corp. includes Mr. Jack Conner (Independent Chairman), Mr. Keith Wilton (President and CEO), and several independent directors: Mr. Walter Kaczmarek, Ms. Julianne Biagini-Komas, Mr. Frank Bisceglia, Mr. Bruce Cabral, and Mr. Jason DiNapoli. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Heritage Commerce Corp. includes the following individuals:<BR><BR>- Mr. Jack Conner, Independent Chairman of the Board<BR>- Mr. Keith Wilton, President, Chief Executive Officer, Director<BR>- Mr. Walter Kaczmarek, Director<BR>- Ms. Julianne Biagini-Komas, Independent Director<BR>- Mr. Frank Bisceglia, Independent Director<BR>- Mr. Bruce Cabral, Independent Director<BR>- Mr. Jason DiNapoli, Independent Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is Heritage Commerce Corp. overvalued or undervalued?

20-Sep-2025

As of August 1, 2025, Heritage Commerce Corp. is considered undervalued with a valuation grade of very attractive, featuring a P/E ratio of 14, a price to book value of 0.84, and an EV to Capital Employed of 3.78, despite a 3.27% return over the past year compared to the S&P 500's 17.14%, making it a compelling investment opportunity at a price of 10.42.

As of 1 August 2025, the valuation grade for Heritage Commerce Corp. moved from fair to very attractive, indicating a positive shift in its valuation outlook. The company is currently considered undervalued. Key ratios include a P/E ratio of 14, a price to book value of 0.84, and an EV to Capital Employed of 3.78. In comparison, Premier Financial Corp. has a P/E ratio of 14.14, while Great Southern Bancorp, Inc. shows a more attractive P/E of 10.58, highlighting Heritage's relative positioning in the market.<BR><BR>Despite the recent stock performance, where Heritage Commerce Corp. returned 3.27% over the past year compared to the S&P 500's 17.14%, the company's valuation metrics suggest it is trading at a discount relative to its peers. This reinforces the notion that Heritage Commerce Corp. presents a compelling investment opportunity at its current price of 10.42.

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Is Heritage Commerce Corp. technically bullish or bearish?

13-Oct-2025

As of October 10, 2025, Heritage Commerce Corp. has shifted to a mildly bearish trend, indicated by bearish weekly MACD and KST signals, despite daily moving averages showing mild bullishness.

As of 10 October 2025, the technical trend for Heritage Commerce Corp. has changed from mildly bullish to mildly bearish. The current stance is mildly bearish, driven by the weekly MACD and KST indicators, both indicating bearish momentum. The Bollinger Bands are also bearish on both weekly and monthly time frames. While the daily moving averages show a mildly bullish signal, the overall weekly indicators, including Dow Theory and OBV, reinforce the bearish outlook. There is no available return data to compare the company's performance against the S&P 500.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 3.31%

 
2

Strong Long Term Fundamental Strength with a 0.16% CAGR growth in Net Profits

 
3

The company has declared positive results in Mar'2025 after 5 consecutive negative quarters

4

With ROA of 0.47%, it has a very attractive valuation with a 0.84 Price to Book Value

5

High Institutional Holdings at 88.11%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 633 Million (Micro Cap)

stock-summary
P/E

14.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

5.63%

stock-summary
Price to Book

0.91

Revenue and Profits:
Net Sales:
64 Million
(Quarterly Results - Jun 2025)
Net Profit:
6 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
10.96%
0%
10.96%
6 Months
21.94%
0%
21.94%
1 Year
8.31%
0%
8.31%
2 Years
25.03%
0%
25.03%
3 Years
-19.75%
0%
-19.75%
4 Years
2.9%
0%
2.9%
5 Years
31.71%
0%
31.71%

Heritage Commerce Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
10.39%
EBIT Growth (5y)
1.87%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
78.94%
Pledged Shares
0
Institutional Holding
88.11%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.84
EV to EBIT
-2.77
EV to EBITDA
-2.61
EV to Capital Employed
3.78
EV to Sales
-0.62
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-136.56%
ROE (Latest)
6.03%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 56 Schemes (29.43%)

Foreign Institutions

Held by 73 Foreign Institutions (6.25%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Heritage Commerce Corp."
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stock-summaryCompany CV
About Heritage Commerce Corp. stock-summary
stock-summary
Heritage Commerce Corp.
Regional Banks
Heritage Commerce Corp is a bank holding company. The Company, through its subsidiary Heritage Bank of Commerce (the Bank), provides a range of banking services. The Bank is a California state-chartered multi-community independent bank that offers a range of commercial banking services to small and medium-sized businesses and their owners, managers and employees. The Company operates through approximately 19 service branch offices located in the southern and eastern regions of the general San Francisco Bay Area of California in the counties of Santa Clara, Alameda, Contra Costa and San Benito. The Company's subsidiary, CSNK Working Capital Finance Corp., doing business as Bay View Funding, provides business-essential working capital factoring financing to various industries across the United States. The Bank operates automated teller machines (ATMs) at approximately five different locations.
Company Coordinates stock-summary
Company Details
224 Airport Parkway , SAN JOSE CA : 95110
Registrar Details