Heritage Commerce Corp HTBK NASDAQ

Heritage Commerce Corp (HTBK) reported total assets of $5.76B and total liabilities of $5.06B for fiscal year 2025, resulting in total equity of $708.57M.

The company held $614.64M in cash and short-term investments. Total debt stood at $39.81M, with net debt of $18.12M. The Debt-to-Equity (D/E) ratio was 0.06 (conservative).

Current ratio is 0.27, which may signal tight short-term liquidity. Interest coverage is 0.9x (weak).

Criteria supported by this page:

• HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (49/100) — Total assets $5.76B and equity $708.57M support the company's competitive scale
• VALUE (51/100) — Debt-to-Equity 0.06 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 54/100 with 2/7 criteria passed.

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