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HTBK
Volume: 1.65M

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's strong financial performance is highlighted by an 8.0% increase in end-of-period loans, amounting to a $71 million growth, which shows an acceleration from the previous quarter's growth rate. The company demonstrated solid net interest margin (NIM) expansion of 6 basis points to 3.60%, accompanied by a 6% quarter-over-quarter growth in average earning assets, contributing positively to net interest income. Furthermore, the rise in noninterest-bearing demand deposits (DDA) from 24.9% to 26.7% of total deposits reflects improved customer relationships and deposit generation strategies, strengthening the company's funding profile.

Bears say

Heritage Commerce Corp is facing a negative outlook primarily due to a decline in core net interest expense, which fell by 0.4% quarter-over-quarter to $29.0 million, falling short of the consensus expectation of $29.5 million largely due to a significant drop in professional fees. Additionally, the company is encountering risks from a deterioration in asset quality, sluggish loan demand leading to balance sheet contraction, and competitive market pressures impacting loan and deposit pricing, all of which could potentially harm the net interest margin. Furthermore, total yields are showing signs of decline, with average earning asset yields decreasing by 6 basis points to 4.94% and challenges in maintaining consistent loan growth further complicating the financial landscape for the bank.

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 Mar 21, 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: 1.65M

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