HTBK
Heritage Commerce·NASDAQ
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1.99 / 10
Underperform
HTBK's fundamental analysis yields a low score of 1.99/10, reflecting significant financial weaknesses. Key positives include a gross profit margin of 36.7% (group 1) and a total profit to EBIT ratio of 100% (group 1), but these are offset by a net profit attributable to shareholders ratio of 100% (group 2) and negative asset-MV difference (-0.503). The PB-ROE factor of 1.41 places it in group 3 with a modest historical return of 3.61%. Overall, the fundamental structure is fragile, limiting upside potential.
Analysis Checks(3/10)
Net assets per share (growth rate compared to beginning of year %)
Value1.61
Score0/3
Weight4.28%
1M Return2.09%
Value1.61
Score0/3
Weight4.28%
1M Return2.09%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.71%
1M Return3.05%
Value100.00
Score1/3
Weight6.71%
1M Return3.05%
Profit-MV
Value-0.15
Score1/3
Weight11.13%
1M Return4.44%
Value-0.15
Score1/3
Weight11.13%
1M Return4.44%
PB-ROE
Value1.41
Score0/3
Weight8.57%
1M Return3.61%
Value1.41
Score0/3
Weight8.57%
1M Return3.61%
Asset-MV
Value-0.50
Score1/3
Weight15.92%
1M Return5.76%
Value-0.50
Score1/3
Weight15.92%
1M Return5.76%
Revenue-MV
Value0.16
Score1/3
Weight12.59%
1M Return4.65%
Value0.16
Score1/3
Weight12.59%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.66%
1M Return3.43%
Value36.70
Score3/3
Weight7.66%
1M Return3.43%
Total profit (YoY growth rate %)
Value9.25
Score1/3
Weight7.48%
1M Return3.23%
Value9.25
Score1/3
Weight7.48%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.66%
1M Return3.43%
Value100.00
Score3/3
Weight7.66%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight18.00%
1M Return7.61%
Value0.14
Score3/3
Weight18.00%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value1.61
Score0/3
Weight4.28%
1M Return2.09%
Value1.61
Score0/3
Weight4.28%
1M Return2.09%
Revenue-MV
Value0.16
Score1/3
Weight12.59%
1M Return4.65%
Value0.16
Score1/3
Weight12.59%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.71%
1M Return3.05%
Value100.00
Score1/3
Weight6.71%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.66%
1M Return3.43%
Value36.70
Score3/3
Weight7.66%
1M Return3.43%
Profit-MV
Value-0.15
Score1/3
Weight11.13%
1M Return4.44%
Value-0.15
Score1/3
Weight11.13%
1M Return4.44%
Total profit (YoY growth rate %)
Value9.25
Score1/3
Weight7.48%
1M Return3.23%
Value9.25
Score1/3
Weight7.48%
1M Return3.23%
PB-ROE
Value1.41
Score0/3
Weight8.57%
1M Return3.61%
Value1.41
Score0/3
Weight8.57%
1M Return3.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.66%
1M Return3.43%
Value100.00
Score3/3
Weight7.66%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight15.92%
1M Return5.76%
Value-0.50
Score1/3
Weight15.92%
1M Return5.76%
Cash-MV
Value0.14
Score3/3
Weight18.00%
1M Return7.61%
Value0.14
Score3/3
Weight18.00%
1M Return7.61%
Is HTBK undervalued or overvalued?
- HTBK scores 1.99/10 on fundamentals and holds a Premium valuation at present. Backed by its 4.71% ROE, 22.78% net margin, 21.48 P/E ratio, 1.20 P/B ratio, and -1.41% earnings growth, these metrics solidify its Underperform investment rating.
