Heritage Commerce Valuation
| HTBK Stock | USD 10.62 0.04 0.38% |
At this time, the firm appears to be fairly valued. Heritage Commerce Corp retains a regular Real Value of $10.72 per share. The prevalent price of the firm is $10.62. Our model calculates the value of Heritage Commerce Corp from evaluating the firm fundamentals such as Return On Asset of 0.0079, return on equity of 0.0642, and Current Valuation of (233.74 M) as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Heritage Commerce's valuation include:
Price Book 0.9499 | Enterprise Value -233.7 M | Price Sales 3.8629 | Forward PE 13.9665 | Trailing PE 14.9577 |
Fairly Valued
Today
Please note that Heritage Commerce's price fluctuation is not too volatile at this time. Calculation of the real value of Heritage Commerce Corp is based on 3 months time horizon. Increasing Heritage Commerce's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Heritage Commerce's intrinsic value may or may not be the same as its current market price of 10.62, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 10.62 | Real 10.72 | Target 11.08 | Hype 10.61 | Naive 10.4 |
The intrinsic value of Heritage Commerce's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Heritage Commerce's stock price.
Estimating the potential upside or downside of Heritage Commerce Corp helps investors to forecast how Heritage stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Heritage Commerce more accurately as focusing exclusively on Heritage Commerce's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Heritage Commerce's intrinsic value based on its ongoing forecasts of Heritage Commerce's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Heritage Commerce's closest peers.
Heritage Commerce Cash |
|
Heritage Valuation Trend
Knowing Heritage Commerce's actual value is paramount for traders when making sound investment determinations. Using both Heritage Commerce's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Heritage Commerce Total Value Analysis
Heritage Commerce Corp is currently forecasted to have valuation of (233.74 M) with market capitalization of 653.49 M, debt of 39.5 M, and cash on hands of 876.59 M. The negative valuation of Heritage Commerce may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the Heritage Commerce fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(233.74 M) | 653.49 M | 39.5 M | 876.59 M |
Heritage Commerce Investor Information
About 78.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.95. Some equities with similar Price to Book (P/B) outperform the market in the long run. Heritage Commerce Corp has Price/Earnings To Growth (PEG) ratio of 1.88. The entity last dividend was issued on the 7th of November 2024. The firm had 11:10 split on the 3rd of February 2000. Based on the measurements of operating efficiency obtained from Heritage Commerce's historical financial statements, Heritage Commerce Corp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.57 | 0.4722 |
|
| |||||
| Total Cash From Operating Activities | 76.7 M | 73 M |
|
| |||||
| Operating Income | 85.9 K | 90.4 K |
|
|
Heritage Commerce Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Heritage suggests not a very effective usage of assets in December.Heritage Commerce Ownership Allocation
Heritage Commerce Corp has a total of 61.3 Million outstanding shares. The majority of Heritage Commerce Corp outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Heritage Commerce to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Heritage Commerce Corp. Please pay attention to any change in the institutional holdings of Heritage Commerce Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Heritage Commerce Profitability Analysis
The company reported the previous year's revenue of 9 K. Net Income was 64.44 M with profit before overhead, payroll, taxes, and interest of 189.22 M.Heritage Commerce Past Distributions to stockholders
About Heritage Commerce Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Heritage Commerce Corp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Heritage Commerce Corp based exclusively on its fundamental and basic technical indicators. By analyzing Heritage Commerce's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Heritage Commerce's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Heritage Commerce. We calculate exposure to Heritage Commerce's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Heritage Commerce's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 9 K | 8.5 K | |
| Pretax Profit Margin | 0.47 | 0.50 | |
| Operating Profit Margin | 0.47 | 0.57 | |
| Net Profit Margin | 0.34 | 0.35 | |
| Gross Profit Margin | 1.14 | 1.09 |
A single share of Heritage Commerce represents a small ownership stake in the entity. As a stockholder of Heritage, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Heritage Commerce Dividends Analysis For Valuation
At this time, Heritage Commerce's Dividends Paid is quite stable compared to the past year. Dividend Yield is expected to rise to 0.06 this year, although the value of Dividend Payout Ratio will most likely fall to 0.39. . At this time, Heritage Commerce's Retained Earnings are quite stable compared to the past year. Retained Earnings Total Equity is expected to rise to about 176.8 M this year, although the value of Price Earnings To Growth Ratio is projected to rise to (2.45).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 31.7 M | 33.3 M | |
| Dividend Yield | 0.05 | 0.06 | |
| Dividend Payout Ratio | 0.49 | 0.39 | |
| Dividend Paid And Capex Coverage Ratio | 2.19 | 2.08 |
There are various types of dividends Heritage Commerce can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Heritage shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Heritage Commerce Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Heritage pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Heritage Commerce by the value of the dividends paid out.
Heritage Commerce Growth Indicators
Investing in growth stocks can be very risky. If the company such as Heritage Commerce does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 61.3 M | |
| Quarterly Earnings Growth Y O Y | -0.342 | |
| Forward Price Earnings | 13.9665 |
Heritage Commerce Current Valuation Indicators
Heritage Commerce's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Heritage Commerce's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Heritage Commerce, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Heritage Commerce's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Heritage Commerce's worth.When determining whether Heritage Commerce Corp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Heritage Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Heritage Commerce Corp Stock. Highlighted below are key reports to facilitate an investment decision about Heritage Commerce Corp Stock: Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heritage Commerce Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heritage Commerce. If investors know Heritage will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heritage Commerce listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.34) | Dividend Share 0.52 | Earnings Share 0.71 | Revenue Per Share 2.763 | Quarterly Revenue Growth (0.11) |
The market value of Heritage Commerce Corp is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Commerce's value that differs from its market value or its book value, called intrinsic value, which is Heritage Commerce's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heritage Commerce's market value can be influenced by many factors that don't directly affect Heritage Commerce's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Commerce's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Commerce is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heritage Commerce's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.