Heritage Reports Q4 Revenue of $53.6M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Reports Q4 revenue $53.6M, consensus $50.8M. "The year 2025, and the fourth quarter in particular, was a consequential time for Heritage, and we are proud of the way our team worked to deliver solid growth and results, driven by steady performance across the business, sustained client momentum and strong credit quality. This quarter reflects strong execution across the organization. We delivered meaningful balance-sheet growth, expanded operating leverage through disciplined expense management, and increased adjusted full year earnings by 39%. Our focus on consistent performance and prudent growth continues to strengthen our foundation," said Clay Jones, CEO.
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Analyst Views on HTBK
Wall Street analysts forecast HTBK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HTBK is 12.88 USD with a low forecast of 11.00 USD and a high forecast of 14.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
2 Buy
4 Hold
0 Sell
Moderate Buy
Current: 12.700
Low
11.00
Averages
12.88
High
14.50
Current: 12.700
Low
11.00
Averages
12.88
High
14.50
About HTBK
Heritage Commerce Corp is a bank holding company for its wholly owned subsidiary, Heritage Bank of Commerce (the Bank). The Bank offers a full line of banking services and products to business and individual clients, with a focus on small and medium-sized business and their owners, managers and employees. Its lending activities are diversified and include commercial, real estate, construction and land development, consumer and small business administration (SBA) guaranteed loans. The Bank offers a range of deposit products for business banking and retail markets. It offers a multitude of other products and services to complement its lending and deposit services. Through its Bank subsidiary, CSNK Working Capital Finance Corp., the Company provides factoring financing throughout the United States. Its operations are located in the general San Francisco Bay Area of California in the counties of Alameda, Contra Costa, Marin, San Benito, San Francisco, San Mateo, and Santa Clara.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Legal Consultation Services: Halper Sadeh LLC offers free legal consultations, encouraging shareholders to reach out to discuss their rights and options, highlighting their expertise in securities fraud and corporate misconduct cases.
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Heritage Commerce Q4 Earnings: $0.28 EPS, $53.6M Revenue Growth
- Revenue Growth: Heritage Commerce reported Q4 revenue of $53.6 million, reflecting a 7% year-over-year increase, which demonstrates the company's robust growth capability in the market and boosts investor confidence.
- Net Interest Margin Improvement: The FTE net interest margin increased to 3.72%, up 12 basis points from the previous year, indicating effective asset management strategies in the current interest rate environment, thereby enhancing profitability.
- Deposit Increase: Total deposits rose to $4.9 billion, an increase of $126.5 million or 3% year-over-year, indicating improved customer trust and supporting future lending and investment activities for the company.
- Asset Quality Improvement: Nonperforming assets to total assets ratio decreased to 0.05% from 0.07% last year, reflecting effective risk management measures and enhancing the company's financial stability.
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