Heritage Commerce Corp HTBK NASDAQ

Heritage Commerce Corp (HTBK) generated $19.97M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $307K, free cash flow was $19.67M.

Free cash flow margin was 28% of revenue. Cash conversion ratio was 1.32x, indicating earnings are backed by cash.

The company returned $7.97M in dividends to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (49/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (70/100) — Cash conversion ratio was 1.32x confirms earnings are backed by real cash flow

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