Heritage Commerce Corp (HTBK) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 0.84, the current P/B ratio is approximately 25.44% higher. Relative to its 5-year average P/B ratio of 0.99, the current P/B ratio is about 6.66% higher. Heritage Commerce Corp (HTBK) has a Forward Free Cash Flow (FCF) yield of approximately 7.75%. Compared to its 3-year average FCF yield of 10.20%, the current FCF yield is approximately -24.02% lower. Relative to its 5-year average FCF yield of 9.40%, the current FCF yield is about -17.53% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for HTBK competitors is 2.80, providing a benchmark for relative valuation. Heritage Commerce Corp Corp (HTBK.O) exhibits a P/S ratio of 3.60, which is 28.38% above the industry average. Given its robust revenue growth of 18.78%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of HTBK increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of HTBK in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is HTBK currently overvalued or undervalued?

What is Heritage Commerce Corp (HTBK) fair value?

HTBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Heritage Commerce Corp (HTBK) is between 10.00 to 13.82 according to relative valuation method.

How does HTBK's valuation metrics compare to the industry average?

The average P/S ratio for HTBK's competitors is 2.80, providing a benchmark for relative valuation. Heritage Commerce Corp Corp (HTBK) exhibits a P/S ratio of 3.60, which is 28.38% above the industry average. Given its robust revenue growth of 18.78%, this premium appears unsustainable.

What is the current P/B ratio for Heritage Commerce Corp (HTBK) as of Mar 03 2026?

As of Mar 03 2026, Heritage Commerce Corp (HTBK) has a P/B ratio of 1.06. This indicates that the market values HTBK at 1.06 times its book value.

What is the current FCF Yield for Heritage Commerce Corp (HTBK) as of Mar 03 2026?

As of Mar 03 2026, Heritage Commerce Corp (HTBK) has a FCF Yield of 7.75%. This means that for every dollar of Heritage Commerce Corp's market capitalization, the company generates 7.75 cents in free cash flow.

What is the current Forward P/E ratio for Heritage Commerce Corp (HTBK) as of Mar 03 2026?

As of Mar 03 2026, Heritage Commerce Corp (HTBK) has a Forward P/E ratio of 13.02. This means the market is willing to pay $13.02 for every dollar of Heritage Commerce Corp's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Heritage Commerce Corp (HTBK) as of Mar 03 2026?

As of Mar 03 2026, Heritage Commerce Corp (HTBK) has a Forward P/S ratio of 3.60. This means the market is valuing HTBK at $3.60 for every dollar of expected revenue over the next 12 months.

HTBK Valuation