Heritage Commerce (HTBK) Fundamental Analysis: Revenue, Earnings & Valuation

3.37 / 10

Netural

Fundamentals score about 3.4/10, indicating weakness. Positive points are a 48.3% gross profit margin and a 47.9% current‑liabilities‑to‑total‑liabilities ratio. Negative drivers are low PB‑ROE, adverse Asset‑MV and Revenue‑MV gaps, and limited cash‑MV, resulting in a neutral overall view.

Analysis Checks(6/10)

Revenue-MV

Value-0.72

Score1/3

Weight9.22%

1M Return4.17%

Gross profit margin (%)

Value48.34

Score3/3

Weight7.19%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight7.18%

1M Return3.48%

Profit-MV

Value0.94

Score0/3

Weight6.86%

1M Return3.11%

Net income-Revenue

Value0.52

Score3/3

Weight14.68%

1M Return6.34%

PB-ROE

Value-0.93

Score0/3

Weight8.39%

1M Return3.52%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight7.19%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.19%

1M Return3.48%

Asset-MV

Value-0.55

Score1/3

Weight15.88%

1M Return6.13%

Cash-MV

Value-0.26

Score3/3

Weight16.22%

1M Return6.86%

Is HTBK undervalued or overvalued?

HTBK scores 3.37/10 on fundamentals and holds a Fair valuation at present. Backed by its 6.84% ROE, 24.22% net margin, 15.93 P/E ratio, 1.08 P/B ratio, and 18.18% earnings growth, these metrics solidify its Netural investment rating.