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HTBK
Volume: 445.42K

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 a positive financial outlook with a notable increase in line of credit utilization, rising from 32% to 35%, indicating greater demand for its lending services. The company's total core loan yields experienced a marginal rise of 4 basis points to 5.61%, alongside a healthy loan growth of 5.3% quarter-over-quarter, which was in line with the performance reported in the previous quarter. Additionally, an increase in non-interest bearing demand deposits from 24.9% to 26.0% of total deposits, combined with a net interest margin expansion of 6 basis points to 3.60%, reflects the bank's effective management of deposits and loan production.

Bears say

Heritage Commerce Corp has experienced a decline in core net interest earnings, reporting a 0.4% decrease quarter-over-quarter to $29 million, which fell short of consensus expectations, primarily due to a substantial drop in professional fees. The bank faces potential risks, including deterioration in asset quality and sluggish loan demand, which could contribute to a contracting balance sheet and negatively impact the mix of earning assets. Furthermore, a prolonged low interest rate environment may exert additional pressure on net interest margins, while potential weaknesses in the real estate market present heightened risks of default and impaired collateral value.

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 Jan 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: 445.42K

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