Heritage Commerce Corp (HTBK) — Cash Flow-to-Debt Ratio
Heritage Commerce Corp (HTBK) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $19.97 Million could theoretically repay 0% of its total liabilities ($5.06 Billion) in one year. See how financially flexible is Heritage Commerce Corp to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Heritage Commerce Corp Cash Flow-to-Debt Ratio (1997–2025)
Historical debt coverage capacity for Heritage Commerce Corp across 29 annual periods. For the full cash flow conversion analysis, see Heritage Commerce Corp cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Heritage Commerce Corp (1997–2025)
Year-by-year debt coverage analysis for Heritage Commerce Corp. Check Heritage Commerce Corp earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $61.67 Million | $5.06 Billion | ▲ +55.1% |
| 2024 | 0.01x | $38.97 Million | $4.96 Billion | ▼ -51.3% |
| 2023 | 0.02x | $73.01 Million | $4.52 Billion | ▲ +4.5% |
| 2022 | 0.02x | $69.85 Million | $4.52 Billion | ▲ +33.2% |
| 2021 | 0.01x | $56.85 Million | $4.90 Billion | ▼ -19.0% |
| 2020 | 0.01x | $58.09 Million | $4.06 Billion | ▲ +0.5% |
| 2019 | 0.01x | $50.34 Million | $3.53 Billion | ▼ -19.9% |
| 2018 | 0.02x | $48.57 Million | $2.73 Billion | ▲ +10.7% |
| 2017 | 0.02x | $41.36 Million | $2.57 Billion | ▲ +43.5% |
| 2016 | 0.01x | $25.90 Million | $2.31 Billion | ▼ -16.8% |
| 2015 | 0.01x | $28.49 Million | $2.12 Billion | ▼ -0.5% |
| 2014 | 0.01x | $19.38 Million | $1.43 Billion | ▲ +9.7% |
| 2013 | 0.01x | $16.26 Million | $1.32 Billion | ▲ +17.2% |
| 2012 | 0.01x | $16.04 Million | $1.52 Billion | ▼ -45.6% |
| 2011 | 0.02x | $21.44 Million | $1.11 Billion | ▲ +29.6% |
| 2010 | 0.01x | $15.88 Million | $1.06 Billion | ▲ +968.2% |
| 2009 | 0.00x | $-2.05 Million | $1.19 Billion | ▼ -111.0% |
| 2008 | 0.02x | $20.48 Million | $1.31 Billion | ▼ -46.6% |
| 2007 | 0.03x | $34.53 Million | $1.18 Billion | ▼ -15.2% |
| 2006 | 0.03x | $31.50 Million | $914.32 Million | ▲ +262.0% |
| 2005 | 0.01x | $9.70 Million | $1.02 Billion | ▲ +173.6% |
| 2004 | 0.00x | $3.51 Million | $1.01 Billion | ▼ -69.5% |
| 2003 | 0.01x | $10.42 Million | $913.36 Million | ▲ +88.4% |
| 2002 | 0.01x | $5.16 Million | $852.89 Million | ▼ -57.4% |
| 2001 | 0.01x | $11.64 Million | $819.16 Million | ▲ +311.1% |
| 2000 | -0.01x | $-5.16 Million | $766.49 Million | ▼ -149.1% |
| 1999 | 0.01x | $8.50 Million | $620.70 Million | ▲ +25.0% |
| 1998 | 0.01x | $4.10 Million | $374.20 Million | ▲ +55.6% |
| 1997 | 0.01x | $1.73 Million | $245.24 Million | — |