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HTBK
Volume: 394.28K
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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 has demonstrated a positive outlook characterized by a notable increase in total core loan yields, which rose by 4 basis points to 5.61%, indicating effective interest income generation. Additionally, the bank's deposit balances surged by $149.2 million, or 12.8% on a last quarter annualized basis, primarily driven by an increase in non-interest bearing accounts, showcasing strong customer retention and attractiveness of the bank’s offerings. The projected increases in earnings per share for 2025, 2026, and 2027, alongside improved net interest margin and robust balance sheet growth, further underline the company's solid financial health and growth potential in the context of a competitive market.

Bears say

Heritage Commerce Corp's recent financial performance reflects a decrease in core net interest earnings, falling 0.4% quarter-over-quarter to $29.0 million, which is below analyst expectations, driven primarily by a significant drop in professional fees. While credit metrics show resilience with stable asset quality and low non-performing loans, concerns arise from potential credit deterioration linked to weakening real estate markets, which could elevate default risks. Additionally, the prevailing low interest rate environment may lead to elongated margin pressures, complicating the bank's growth trajectory, as deposits are anticipated to lag behind loan growth.

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 Oct 30, 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: 394.28K

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