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Heritage Commerce Corp (HTBK)
NASDAQ:HTBK
US Market
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Heritage Commerce (HTBK) Ratios

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Heritage Commerce Ratios

HTBK's free cash flow for Q3 2025 was $0.00. For the 2025 fiscal year, HTBK's free cash flow was decreased by $ and operating cash flow was $411.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
17.34 0.19 9.25 14.96 14.59
Quick Ratio
17.34 0.19 12.90 27.86 25.78
Cash Ratio
1.63 0.09 3.19 12.80 11.09
Solvency Ratio
0.01 0.02 0.02 0.01 <0.01
Operating Cash Flow Ratio
2.21K 0.02 0.73 0.56 0.57
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -3.54B$ -3.67B$ -3.63B$ -3.38B$ -2.57B
Leverage Ratios
Debt-to-Assets Ratio
7.07 <0.01 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
56.81 0.06 0.06 0.07 0.07
Debt-to-Capital Ratio
0.98 0.06 0.06 0.06 0.06
Long-Term Debt-to-Capital Ratio
0.98 0.06 0.06 0.06 0.06
Financial Leverage Ratio
8.03 7.72 8.15 9.20 8.02
Debt Service Coverage Ratio
0.80 1.33 7.86 7.26 4.66
Interest Coverage Ratio
1.06 1.77 11.55 9.24 5.72
Debt to Market Cap
0.06 0.07 0.05 0.06 0.08
Interest Debt Per Share
1.58 1.48 0.80 0.78 0.81
Net Debt to EBITDA
0.63 -3.92 -2.72 -18.11 -20.30
Profitability Margins
Gross Profit Margin
76.96%78.70%100.00%100.00%100.00%
EBIT Margin
33.59%37.16%49.67%42.28%32.32%
EBITDA Margin
34.95%38.61%51.65%44.89%35.42%
Operating Profit Margin
33.59%37.16%54.38%42.28%32.32%
Pretax Profit Margin
33.59%37.16%49.67%42.28%32.32%
Net Profit Margin
24.04%26.49%35.03%30.61%23.25%
Continuous Operations Profit Margin
24.04%26.49%35.03%30.61%23.25%
Net Income Per EBT
71.56%71.27%70.53%72.42%71.94%
EBT Per EBIT
100.00%100.00%91.34%100.00%100.00%
Return on Assets (ROA)
770.56%1.24%1.29%0.87%0.76%
Return on Equity (ROE)
8.33%9.58%10.52%7.98%6.11%
Return on Capital Employed (ROCE)
1081.78%11.09%2.04%1.22%1.08%
Return on Invested Capital (ROIC)
7138.62%7.90%3.33%2.01%1.67%
Return on Tangible Assets
794.97%1.28%1.34%0.90%0.79%
Earnings Yield
6.93%10.64%8.45%6.64%6.69%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 1.32 1.25
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
19.12K 24.68 20.43 16.16 14.51
Asset Turnover
32.06 0.05 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.08 -0.07 0.17 0.11 0.13
Cash Conversion Cycle
0.00 0.00 0.00 275.52 291.02
Days of Sales Outstanding
0.00 0.00 0.00 275.52 291.02
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 275.52 291.02
Cash Flow Ratios
Operating Cash Flow Per Share
0.94 1.20 1.15 0.95 0.98
Free Cash Flow Per Share
0.94 1.17 1.14 0.94 0.92
CapEx Per Share
<0.01 0.03 0.01 <0.01 0.05
Free Cash Flow to Operating Cash Flow
1.00 0.98 0.99 1.00 0.95
Dividend Paid and CapEx Coverage Ratio
1.79 2.19 2.16 1.80 1.70
Capital Expenditure Coverage Ratio
286.18 43.69 89.21 225.59 18.38
Operating Cash Flow Coverage Ratio
1.45 1.85 1.78 1.42 1.46
Operating Cash Flow to Sales Ratio
0.32 0.30 0.37 0.36 0.38
Free Cash Flow Yield
9.21%11.78%8.77%7.88%10.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.44 9.40 11.84 15.05 14.95
Price-to-Sales (P/S) Ratio
3.47 2.49 4.15 4.61 3.48
Price-to-Book (P/B) Ratio
893.71 0.90 1.25 1.20 0.91
Price-to-Free Cash Flow (P/FCF) Ratio
10.85 8.49 11.41 12.69 9.61
Price-to-Operating Cash Flow Ratio
10.88 8.29 11.28 12.63 9.08
Price-to-Earnings Growth (PEG) Ratio
1.30 -2.58 0.30 0.44 -0.46
Price-to-Fair Value
893.71 0.90 1.25 1.20 0.91
Enterprise Value Multiple
10.57 2.52 5.31 -7.84 -10.48
Enterprise Value
666.13M 236.88M 520.59M -548.29M -563.76M
EV to EBITDA
10.57 2.52 5.31 -7.84 -10.48
EV to Sales
3.69 0.97 2.74 -3.52 -3.71
EV to Free Cash Flow
11.54 3.32 7.54 -9.69 -10.26
EV to Operating Cash Flow
11.58 3.24 7.45 -9.64 -9.71
Tangible Book Value Per Share
-57.62 8.14 7.49 6.93 6.62
Shareholders’ Equity Per Share
0.01 11.02 10.44 9.94 9.72
Tax and Other Ratios
Effective Tax Rate
0.28 0.29 0.29 0.28 0.28
Revenue Per Share
2.94 3.99 3.14 2.59 2.55
Net Income Per Share
0.71 1.06 1.10 0.79 0.59
Tax Burden
0.72 0.71 0.71 0.72 0.72
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.31 0.26 0.29 0.33 0.34
Stock-Based Compensation to Revenue
<0.01 <0.01 0.02 0.02 0.01
Income Quality
1.33 1.13 1.05 1.19 1.65
Currency in USD
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