HERITAGE COMMERCE CORP
HTBKNasdaqFinancials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $3.7M | $3.6M | $4.3M | $4.6M | $2.5M | $2.9M |
| Operating income | — | — | — | — | — | — |
| Net income | $47.8M | $40.5M | $64.4M | $66.6M | $47.7M | $35.3M |
| Total assets | $5.76B | $5.65B | $5.19B | $5.16B | $5.50B | $4.63B |
| Total liabilities | $5.06B | $4.96B | $4.52B | $4.53B | $4.90B | $4.06B |
| Equity | $708.6M | $689.7M | $672.9M | $632.5M | $598.0M | $577.9M |
| EPS (diluted) | $0.78 | $0.66 | $1.05 | $1.09 | $0.79 | $0.59 |
| Shares out. | 61.4M | 61.2M | 60.9M | 60.4M | 59.9M | 59.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 1296.9%
- Return on equity
- 6.8%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.7%
- Debt / equity
- 7.14×
- Book value / share
- $11.53
- Revenue growth (YoY)
- 3.6%
- Net income growth (YoY)
- 18.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Apr 15, 2026 | 1.8M | 2.8 | -17.7% |
| Mar 31, 2026 | 2.1M | 2.4 | +8.4% |
| Mar 13, 2026 | 2.0M | 3.3 | +19.2% |
| Feb 27, 2026 | 1.7M | 3.0 | +38.0% |
| Feb 13, 2026 | 1.2M | 1.9 | +0.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 21, 2026
- Other material eventApr 1, 2026
- Shareholder vote · Regulation FD disclosureMar 27, 2026
- Other material eventMar 18, 2026
- Other material eventMar 11, 2026
- Results of operations · Regulation FD disclosure · Other material eventJan 22, 2026
- Director / officer changeJan 2, 2026
- Entered a material agreement · Director / officer changeDec 23, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.