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HTBK
Volume: 367.75K

Heritage Commerce (HTBK) Stock Forecast & Price Target

Heritage Commerce (HTBK) Analyst Ratings

Based on 5 analyst ratings
Buy
Strong Buy 0%
Buy 60%
Hold 40%
Sell 0%
Strong Sell 0%

Bulls say

Heritage Commerce Corp demonstrated robust growth in its lending operations, evidenced by a significant 8.0% increase in end-of-period (EOP) loans, translating to an additional $71 million, alongside a notable rise in line of credit utilization from 32% to 35%. The bank's financial health is further underscored by an expansion in net interest margin (NIM) to 3.60% and a rising proportion of non-interest bearing demand deposits (DDA), which increased from 26.0% to 26.7% of total deposits. Additionally, average earning asset (AEA) yields saw an uptick to 5.00%, supported by strengthening loan and securities yields, indicating a positive trajectory for profitability and stable deposit growth.

Bears say

Heritage Commerce Corp has shown a decline in core net interest earnings, dropping by 0.4% quarter-over-quarter to $29.0 million, which fell short of consensus expectations due to a significant reduction in professional fees. The company faces multiple risks, including the deterioration of asset quality, competitive pressures on loan and deposit pricing impacting net interest margins, and sluggish loan demand leading to a contracting balance sheet and a less favorable asset mix. Furthermore, although the bank has authorized a $30 million buyback, outlook projections indicate low-to-mid single-digit loan growth through 2027, with deposit growth expected to lag, suggesting potential challenges in profitability and overall performance.

Heritage Commerce (HTBK) has been analyzed by 5 analysts, with a consensus rating of Buy. 0% of analysts recommend a Strong Buy, 60% recommend Buy, 40% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Heritage Commerce and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Heritage Commerce (HTBK) Forecast

Analysts have given Heritage Commerce (HTBK) a Buy based on their latest research and market trends.

According to 5 analysts, Heritage Commerce (HTBK) has a Buy consensus rating as of Feb 10, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $12.70, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $12.70, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Heritage Commerce (HTBK)

Volume: 367.75K

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