HTBK Relative Valuation
HTBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HTBK is overvalued; if below, it's undervalued.
Historical Valuation
Heritage Commerce Corp (HTBK) is now in the Fair zone, suggesting that its current forward PE ratio of 12.11 is considered Fairly compared with the five-year average of 11.70. The fair price of Heritage Commerce Corp (HTBK) is between 9.12 to 12.76 according to relative valuation methord.
Relative Value
Fair Zone
9.12-12.76
Current Price：11.34
Fair
12.09
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Heritage Commerce Corp. (HTBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Heritage Commerce Corp. (HTBK) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
3.39
PS
Heritage Commerce Corp. (HTBK) has a current PS of 3.39. The 5-year average PS is 3.43. The thresholds are as follows: Strongly Undervalued below 2.20, Undervalued between 2.20 and 2.81, Fairly Valued between 4.04 and 2.81, Overvalued between 4.04 and 4.66, and Strongly Overvalued above 4.66. The current Forward PS of 3.39 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Heritage Commerce Corp. (HTBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Heritage Commerce Corp. (HTBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Heritage Commerce Corp (HTBK) has a current Price-to-Book (P/B) ratio of 0.99. Compared to its 3-year average P/B ratio of 0.87 , the current P/B ratio is approximately 14.67% higher. Relative to its 5-year average P/B ratio of 0.99, the current P/B ratio is about 0.72% higher. Heritage Commerce Corp (HTBK) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 10.14%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.43% , the current FCF yield is about -100.00% lower.
0.99
P/B
Median3y
0.87
Median5y
0.99
8.21
FCF Yield
Median3y
10.14
Median5y
9.43
Competitors Valuation Multiple
The average P/S ratio for HTBK's competitors is , providing a benchmark for relative valuation. Heritage Commerce Corp Corp (HTBK) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 18.78%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of HTBK increased by 22.49% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 41.63M to 49.44M.
The secondary factor is the Margin Expansion, contributed 17.79%to the performance.
Overall, the performance of HTBK in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
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