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HTBK
Volume: 295.68K
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Heritage Commerce (HTBK) Stock Forecast & Price Target

Heritage Commerce (HTBK) Analyst Ratings

Based on 4 analyst ratings
Buy
Strong Buy 25%
Buy 75%
Hold 0%
Sell 0%
Strong Sell 0%

Bulls say

Heritage Commerce Corp demonstrates a positive financial trajectory, as evidenced by the increase in line of credit utilization from 32% to 35%, signaling stronger demand for credit products. The company's total core loan yields have risen by 4 basis points to 5.61%, supported by a 5.3% increase in endpoint loans reflecting a robust growth in the business loan segment. Additionally, the growth in noninterest bearing deposits from 24.9% to 26.0% of total deposits, along with a net interest margin expansion of 6 basis points to 3.60%, highlights the firm’s effective deposit generation and management strategies, strengthening the outlook on its financial stability and profitability.

Bears say

Heritage Commerce Corp has reported a decline in core net interest earnings (NIE) of 0.4% quarter-over-quarter, falling short of consensus estimates mainly due to a 35% decrease in professional fees, indicating potential weaknesses in revenue generation. Concerns regarding asset quality, rising competition impacting loan and deposit pricing, and sluggish loan demand could lead to balance sheet contraction, affecting the overall profitability of earning assets. Furthermore, a persistently low interest rate environment poses risks of extended margin pressure, while vulnerabilities in the real estate market may elevate default risks, further complicating the company’s financial outlook.

Heritage Commerce (HTBK) has been analyzed by 4 analysts, with a consensus rating of Buy. 25% of analysts recommend a Strong Buy, 75% recommend Buy, 0% 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 4 analysts, Heritage Commerce (HTBK) has a Buy consensus rating as of Dec 5, 2025. 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 $11.88, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $11.88, 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: 295.68K

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