Heritage Commerce Corp (HTBK) — Cash Flow Quality Index
Heritage Commerce Corp (HTBK) has a Cash Flow Quality Index of 1.32x as of December 2025. Operating cash flow of $19.97 Million exceeds net income of $15.12 Million, indicating high earnings quality where cash backs reported profits. Explore HTBK operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Heritage Commerce Corp Cash Flow Quality Index (1997–2025)
Historical Cash Flow Quality Index for Heritage Commerce Corp across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Heritage Commerce Corp generate cash.
Annual Cash Flow Quality Index for Heritage Commerce Corp (1997–2025)
Year-by-year earnings quality comparison for Heritage Commerce Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.29x | $61.67 Million | $47.83 Million | ▲ +34.1% |
| 2024 | 0.96x | $38.97 Million | $40.53 Million | ▼ -15.1% |
| 2023 | 1.13x | $73.01 Million | $64.44 Million | ▲ +7.9% |
| 2022 | 1.05x | $69.85 Million | $66.56 Million | ▼ -11.9% |
| 2021 | 1.19x | $56.85 Million | $47.70 Million | ▼ -27.6% |
| 2020 | 1.65x | $58.09 Million | $35.30 Million | ▲ +32.3% |
| 2019 | 1.24x | $50.34 Million | $40.46 Million | ▼ -9.5% |
| 2018 | 1.37x | $48.57 Million | $35.33 Million | ▼ -20.8% |
| 2017 | 1.74x | $41.36 Million | $23.83 Million | ▲ +83.5% |
| 2016 | 0.95x | $25.90 Million | $27.38 Million | ▼ -45.2% |
| 2015 | 1.73x | $28.49 Million | $16.50 Million | ▲ +19.6% |
| 2014 | 1.44x | $19.38 Million | $13.43 Million | ▲ +2.4% |
| 2013 | 1.41x | $16.26 Million | $11.54 Million | ▼ -12.9% |
| 2012 | 1.62x | $16.04 Million | $9.91 Million | ▼ -14.1% |
| 2011 | 1.89x | $21.44 Million | $11.37 Million | ▼ -83.8% |
| 2008 | 11.63x | $20.48 Million | $1.76 Million | ▲ +374.6% |
| 2007 | 2.45x | $34.53 Million | $14.10 Million | ▲ +34.3% |
| 2006 | 1.82x | $31.50 Million | $17.27 Million | ▲ +171.8% |
| 2005 | 0.67x | $9.70 Million | $14.45 Million | ▲ +62.1% |
| 2004 | 0.41x | $3.51 Million | $8.48 Million | ▼ -69.1% |
| 2003 | 1.34x | $10.42 Million | $7.78 Million | ▲ +86.1% |
| 2002 | 0.72x | $5.16 Million | $7.18 Million | ▼ -55.1% |
| 2001 | 1.60x | $11.64 Million | $7.27 Million | ▲ +268.5% |
| 2000 | -0.95x | $-5.16 Million | $5.43 Million | ▼ -152.5% |
| 1999 | 1.81x | $8.50 Million | $4.70 Million | ▲ +54.4% |
| 1998 | 1.17x | $4.10 Million | $3.50 Million | ▲ +6.2% |
| 1997 | 1.10x | $1.73 Million | $1.56 Million | — |