What is HTBK's health score?

HERITAGE COMMERCE CORP (HTBK) has a TradeApes health score of 59 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is HTBK's estimated fair value?

Based on our 5-year discounted cash flow model, HERITAGE COMMERCE CORP's estimated fair value is $10.81 per share, representing a -19.6% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is HTBK undervalued or overvalued?

Our model currently rates HTBK as Fair Value. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for HTBK... Refresh in a moment for the full analysis.

HERITAGE COMMERCE CORP (HTBK)

Financials Fair Value medium mixed

$13.45

Updated: 2026-06-05

TradeApes Score

Financial Strength

60 Healthy

Operating Trend

60 Healthy

Relative Value

65 Healthy

Capital Allocation

30 Weak

Risk

80 Strong

Est. Fair Value $10.81

DCF Upside -19.6%

Sector Rank #3069 of 6557

Key Findings

+ High FCF yield — above 7%, strong cash return relative to price paid

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− Excessive stock comp — SBC above 15% of revenue, wealth transfer to employees

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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