Heritage Commerce Corp Defensive Interval Ratio
Heritage Commerce Corp defensive interval ratio. Heritage Commerce Corp (HTBK) has a Defensive Interval Ratio of 96 days as of December 2025. Defensive assets of $592.96 Million (cash $-, short-term investments $592.96 Million, receivables $-) cover 96 days of daily cash needs of $6.21 Million/day. See working capital to net assets of Heritage Commerce Corp to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Heritage Commerce Corp (1998–2025)
Defensive interval ratio of Heritage Commerce Corp from 1998 to 2025. This chart shows how Heritage Commerce Corp's Defensive Interval Ratio has evolved across 28 annual periods from 1998 to 2025. As of December 2025, the ratio stands at 96 days, meaning defensive assets of $592.96 Million can fund 96 days of operations without new revenue. Check how resilient are Heritage Commerce Corp's assets to evaluate the company's liquid asset resilience ratio.
Heritage Commerce Corp Defensive Interval Ratio by Year (1998–2025)
Heritage Commerce Corp defensive interval ratio by year from 1998 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Heritage Commerce Corp from 1998 to 2025, covering 28 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see Heritage Commerce Corp balance sheet assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 96 days | $592.96 Million | $6.21 Million/day | $- | $592.96 Million | ▲ +76 days |
| 2024 | 19 days | $256.27 Million | $13.21 Million/day | $- | $256.27 Million | ▼ -17 days |
| 2023 | 37 days | $442.64 Million | $12.00 Million/day | $- | $442.64 Million | ▼ -2287 days |
| 2022 | 2324 days | $612.23 Million | $263.48K/day | $- | $489.60 Million | ▲ +1537 days |
| 2021 | 786 days | $219.87 Million | $279.57K/day | $- | $102.25 Million | ▼ -490 days |
| 2020 | 1277 days | $356.81 Million | $279.45K/day | $- | $235.77 Million | ▲ +1228 days |
| 2019 | 49 days | $471.97 Million | $9.57 Million/day | $- | $404.82 Million | ▼ -3649 days |
| 2018 | 3698 days | $528.83 Million | $143.00K/day | $- | $459.04 Million | ▲ +467 days |
| 2017 | 3231 days | $442.96 Million | $137.10K/day | $- | $391.85 Million | ▲ +3175 days |
| 2016 | 56 days | $357.10 Million | $6.33 Million/day | $- | $306.59 Million | ▼ -17 days |
| 2015 | 74 days | $426.42 Million | $5.80 Million/day | $- | $385.08 Million | ▲ +12 days |
| 2014 | 62 days | $242.28 Million | $3.93 Million/day | $- | $206.34 Million | ▼ -25 days |
| 2013 | 87 days | $315.00 Million | $3.61 Million/day | $- | $280.10 Million | ▼ -10 days |
| 2012 | 97 days | $403.02 Million | $4.15 Million/day | $- | $367.91 Million | ▼ -45 days |
| 2011 | 142 days | $421.48 Million | $2.97 Million/day | $- | $380.45 Million | ▲ +44 days |
| 2010 | 98 days | $278.07 Million | $2.85 Million/day | $- | $232.16 Million | ▲ +48 days |
| 2009 | 50 days | $159.68 Million | $3.20 Million/day | $- | $109.97 Million | ▲ +10 days |
| 2008 | 40 days | $140.11 Million | $3.50 Million/day | $- | $104.47 Million | ▼ -14 days |
| 2007 | 54 days | $171.03 Million | $3.18 Million/day | $- | $135.40 Million | ▼ -32 days |
| 2006 | 86 days | $209.22 Million | $2.44 Million/day | $- | $172.30 Million | ▲ +47 days |
| 2005 | 38 days | $104.62 Million | $2.73 Million/day | $- | $62.90 Million | ▲ +16 days |
| 2004 | 22 days | $57.33 Million | $2.57 Million/day | $- | $24.10 Million | ▼ -20 days |
| 2003 | 43 days | $99.34 Million | $2.33 Million/day | $- | $72.20 Million | ▲ +13 days |
| 2002 | 29 days | $68.55 Million | $2.34 Million/day | $- | $44.00 Million | ▼ -9 days |
| 2001 | 39 days | $86.73 Million | $2.24 Million/day | $- | $71.60 Million | ▲ +23 days |
| 2000 | 16 days | $32.22 Million | $2.05 Million/day | $- | $19.30 Million | ▲ +10 days |
| 1999 | 5 days | $8.70 Million | $1.67 Million/day | $- | $- | ▼ -2 days |
| 1998 | 7 days | $7.20 Million | $1.03 Million/day | $- | $- | — |