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HTBK
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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 reported a notable increase in line of credit utilization from 32% to 35% in the quarter, indicating a higher demand for credit among its client base. Additionally, the company experienced an expansion in net interest margin (NIM) of 6 basis points to 3.60%, fueled by stronger loan production yields and an increase in noninterest-bearing deposits, which rose to 26.0% of total deposits. Overall, the bank's total core loan yields increased by 4 basis points to 5.61%, accompanied by a healthy 6% growth in average earning assets, contributing to a positive financial outlook.

Bears say

Heritage Commerce Corp's financial position reveals a concerning trend, with core net interest earnings (NIE) declining by 0.4% quarter-over-quarter to $29.0 million, falling short of the consensus estimate due to a significant drop in professional fees by 35%. The company's outlook is further clouded by potential risks including asset quality deterioration, competitive pressures on loan and deposit pricing that could adversely impact the net interest margin, and sluggish loan demand leading to a contracting balance sheet and a less lucrative asset mix. Additionally, the ongoing challenges in the real estate market raise concerns over default risks and the adequacy of collateral to cover outstanding loans, compounding the pressure on Heritage Commerce's stock valuation amidst a prolonged low interest rate environment.

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 12, 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)

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