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HTBK
Volume: 991.02K

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 has demonstrated a strong financial performance characterized by a notable increase in line of credit utilization from 32% to 35%, indicating heightened demand for loan products. The company's core loan yields increased by 4 basis points to 5.61%, complemented by a robust growth in average earning assets, which rose by 6% quarter-over-quarter. Additionally, the expansion of noninterest bearing demand deposits to 26.0% of total deposits, alongside a net interest margin increase of 6 basis points to 3.60%, reflects the effective management of deposits and loan production, underscoring a positive outlook for the company's future earnings potential.

Bears say

Heritage Commerce Corp exhibits signs of financial weakness, with core net interest expenses declining by 0.4% quarter-over-quarter to $29.0 million, falling short of consensus expectations primarily due to a significant reduction in professional fees. Risks loom over the company from potential asset quality deterioration, heightened competition affecting loan and deposit pricing, and sluggish loan demand leading to a contracting balance sheet and less favorable asset mix. Additionally, the prospect of a prolonged low interest rate environment threatens net interest margins, while a weakening real estate market may exacerbate default risks tied to collateral values.

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 Dec 24, 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 $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: 991.02K

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