Heritage Commerce Corp (HTBK) fair value analysis
Nasdaq · Updated 2026-10-19
HTBK price how computed
Forward Fair Value verdict
OvervaluedHTBK is trading at more than a 25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $13.45
- Sector
- Financial Services
- 12-month range
- $10.20–$13.70
- Market cap
- $828M
- From 52-week high
- -1.8%
- Shares outstanding
- 61.6M
- Rank in Financial Services by discount to fair value
- #146 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Heritage Commerce Corp is a bank holding company that operates community banks providing retail and commercial banking services including loans, deposits, and related financial products. The company operates primarily in Northern California through its subsidiary Heritage Oaks Bank.
HTBK currently ranks #146 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $828M
- P/E (trailing)
- 15x
- Revenue (TTM)
- $266M
- Net margin
- 18.0%
- EPS (TTM)
- $0.92
- Gross margin
- 76.3%
- Debt / equity
- 0.06
- Revenue growth (3-yr avg)
- 6.6%
- Shares outstanding
- 61.6M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 100 · overbought
- 50-day average
- $13.45
- 200-day average
- $13.19
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.39 per share (3 payments)
- Yield on last price
- 2.90%
- Consecutive years of increases
- 0 (no streak on complete calendar years)
- Last ex-dividend date
- 2026-03-25
- Last payment date
- 2026-04-08
Earnings how computed
- Last 8 quarters vs consensus
- 4 beat, 2 missed
- Quarter by quarter
- 2025-12 ▲ beat (+21.7%)
2025-09 ▲ beat (+14.3%)
2025-06 ▲ beat (+10.5%)
2025-03 ▲ beat (+5.6%)
2024-12 ▬ met (0.0%)
2024-09 ▬ met (0.0%)
2024-06 ▼ miss (-16.7%)
2024-03 ▼ miss (-5.6%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Consensus price target
- $14.5
- Target vs last price
- +7.8%
What our data shows for HTBK
- Our model validated 17 trailing price-to-earnings windows for HTBK, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $10.20–$13.70.
- The 14-day relative strength index sits at an overbought 100.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for HTBK
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
What people are saying
Follow the HTBK conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is HTBK stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), HTBK is trading at more than a 25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.
What is HTBK's TickrTrends verdict?
HTBK's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.
How does HTBK compare to other Financial Services stocks?
HTBK ranks #146 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is HTBK overbought or oversold?
HTBK's 14-day RSI is in the overbought zone on TickrTrends' latest weekly data.
Does HTBK pay a dividend?
Yes. HTBK paid $0.39 per share over the last twelve months (3 payments), a 2.90% yield on TickrTrends' last price. The last ex-dividend date was 2026-03-25.
Does HTBK usually beat earnings estimates?
Over its last 8 reported quarters HTBK beat the consensus estimate 4 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
More in Financial Services
Head-to-head comparisons
HTBK vs ACT · HTBK vs CTBI · HTBK vs FISI · HTBK vs FSBC · HTBK vs GBDC