Heritage Commerce Corp (HTBK) is a Banks - Regional company in the Financial Services sector, currently trading at $13.30. It has a SharesGrow Score of 54/100, indicating a mixed investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of HTBK = $21.47 (+61.4% from the current price, the stock appears undervalued). Analyst consensus target is HTBK = $13 (-6% upside).
Valuation: HTBK trades at a trailing Price-to-Earnings (P/E) of 17 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 2.51.
Financials: revenue is $266M, +10.5%/yr average growth. Net income is $48M, growing at -7.4%/yr. Net profit margin is 18% (healthy). Gross margin is 72.6% (-22.5 pp trend).
Balance sheet: total debt is $40M against $709M equity (Debt-to-Equity (D/E) ratio 0.06, conservative). Current ratio is 0.27 (tight liquidity). Debt-to-assets is 0.7%. Total assets: $5.8B.
Analyst outlook: 5 / 12 analysts rate HTBK as buy (42%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 51/100 (Partial), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 49/100 (Partial), Future 26/100 (Fail), Income 70/100 (Pass).
