Heritage Commerce Corp (HTBK)

Over the past six months, Heritage Commerce Corp. experienced a stock price increase of 30.52% between January 3, 2025, and January 2, 2026. In the third quarter of 2025, the company reported a net income of $14.7 million and diluted EPS of $0.24. In the first quarter of 2025, the company reported a net income of $11.6 million and EPS of $0.19. A regular quarterly cash dividend of $0.13 per share was declared on October 23, 2025. On December 17, 2025, Heritage Commerce Corp. and CVB Financial Corp. announced an agreement to merge. In early January 2026, Raymond James and Stephens & Co. downgraded Heritage Commerce (HTBK) to a Hold rating. The company is scheduled to announce its Q4 2025 earnings on January 22, 2026.

Heritage Commerce Corp. experiences some demand seasonality, with seasonally low loan demand and deposit outflows in the first quarter.

Heritage Commerce Corp. (HTBK) is a bank holding company providing commercial and personal banking services through Heritage Bank of Commerce. It operates in the Financial Services sector, specifically in the Regional Banks industry. The company offers deposit accounts, commercial, real estate, construction, consumer, and SBA loans. Through CSNK Working Capital Finance Corp., it provides factoring financing nationwide and also offers treasury and wealth management services.

Heritage Commerce Corp. primarily operates in the San Francisco Bay Area of California, focusing on Alameda, Contra Costa, Marin, San Benito, San Francisco, San Mateo, and Santa Clara counties. It has branch offices in numerous cities within this region, including San Jose, Danville, Fremont, Hollister, Livermore, Los Altos, Los Gatos, Morgan Hill, Oakland, Palo Alto, Pleasanton, Redwood City, San Francisco, San Mateo, San Rafael, and Walnut Creek. Through its factoring segment, the company also provides financing throughout the United States.

In April 2024, Heritage Bank of Commerce was ranked 25th on S&P Global Market Intelligence's top 50 list of best-performing community banks with assets between $3 billion and $10 billion. Recent analyst downgrades in January 2026 could be seen as a minor impact on reputation.

Heritage Commerce Corp. has significant institutional ownership, with 393 institutional owners holding approximately 75.55% to 80% of the company's stock. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors Lp, State Street Corp, JPMorgan Chase & Co, Wellington Management Group Llp, Boston Partners, HoldCo Asset Management, L.P., and Geode Capital Management, Llc. Individual insiders hold around 2.71% to 2.95% of the shares.