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HTBK
Volume: 475.51K
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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 outlook, highlighted by an increase in line of credit utilization from 32% to 35%, indicating heightened demand for credit among small and medium-sized businesses. The company reported a notable rise in core loan yields, which increased by 4 basis points to 5.61%, accompanied by a 6% growth in average earning assets, supporting robust net interest margin (NIM) expansion of 6 basis points to 3.60%. Furthermore, noninterest-bearing demand deposits grew significantly, constituting 26.0% of total deposits, reflecting the successful enhancement of deposit generation strategies.

Bears say

Heritage Commerce Corp's financial report reveals a negative outlook primarily due to a decline in core net interest earnings, which fell 0.4% quarter-over-quarter to $29.0 million, underperforming consensus expectations, driven by a significant decrease in professional fees. Furthermore, the company faces risks related to slow loan demand leading to balance sheet contraction, competitive pressures on loan and deposit pricing that are adversely affecting net interest margins, and potential credit deterioration from a faltering real estate market that could heighten default risks. Overall, while credit metrics show some stability, the combined pressures from sluggish demand and narrower margins suggest ongoing challenges for the bank's profitability and stock valuation.

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 Nov 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: 475.51K

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