Heritage Commerce Corp (HTBK) - Net Assets

Latest as of December 2025: $708.57 Million USD

Based on the latest financial reports, Heritage Commerce Corp (HTBK) has net assets worth $708.57 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.76 Billion) and total liabilities ($5.06 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Heritage Commerce Corp liquidity resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets $708.57 Million
% of Total Assets 12.29%
Annual Growth Rate 13.14%
5-Year Change 18.48%
10-Year Change 172.68%
Growth Volatility 21.13

Heritage Commerce Corp - Net Assets Trend (1997–2025)

This chart illustrates how Heritage Commerce Corp's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Heritage Commerce Corp for the complete picture of this company's asset base.

Annual Net Assets for Heritage Commerce Corp (1997–2025)

The table below shows the annual net assets of Heritage Commerce Corp from 1997 to 2025. For live valuation and market cap data, see HTBK company net worth.

Year Net Assets Change
2025-12-31 $708.57 Million +2.73%
2024-12-31 $689.73 Million +2.50%
2023-12-31 $672.90 Million +6.39%
2022-12-31 $632.46 Million +5.76%
2021-12-31 $598.03 Million +3.48%
2020-12-31 $577.89 Million +0.20%
2019-12-31 $576.71 Million +56.94%
2018-12-31 $367.47 Million +35.41%
2017-12-31 $271.36 Million +4.43%
2016-12-31 $259.85 Million +5.87%
2015-12-31 $245.44 Million +33.13%
2014-12-31 $184.36 Million +6.32%
2013-12-31 $173.40 Million +2.15%
2012-12-31 $169.74 Million -14.20%
2011-12-31 $197.83 Million +8.61%
2010-12-31 $182.15 Million +5.71%
2009-12-31 $172.31 Million -6.49%
2008-12-31 $184.27 Million +11.80%
2007-12-31 $164.82 Million +34.20%
2006-12-31 $122.82 Million +10.04%
2005-12-31 $111.62 Million +13.23%
2004-12-31 $98.58 Million +9.72%
2003-12-31 $89.85 Million -15.13%
2002-12-31 $105.86 Million +13.14%
2001-12-31 $93.57 Million +17.36%
2000-12-31 $79.73 Million +41.12%
1999-12-31 $56.50 Million +84.04%
1998-12-31 $30.70 Million +37.45%
1997-12-31 $22.34 Million --

Equity Component Analysis

This analysis shows how different components contribute to Heritage Commerce Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 20520400000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings $203.68 Million 28.74%
Common Stock $509.61 Million 71.92%
Other Comprehensive Income $-4.72 Million -0.67%
Total Equity $708.57 Million 100.00%

Heritage Commerce Corp Competitors by Market Cap

The table below lists competitors of Heritage Commerce Corp ranked by their market capitalization.

Company Market Cap
Standard Foods Corp
TW:1227
 $828.56 Million
Theravance Biopharma Inc
F:0TB
 $828.57 Million
BlackRock Technology and Private Equity Term Trust
NYSE:BTX
 $828.64 Million
Diagnósticos da América S.A
SA:DASA3
 $828.87 Million
Vamos Locação de Caminhões Máquinas e Equipamentos S.A
SA:VAMO3
 $828.37 Million
Shandong Weida Machinery Co Ltd
SHE:002026
 $828.36 Million
Vanjee Technology Co Ltd
SHE:300552
 $828.36 Million
Shanghai Fudan-Zhangjiang Bio-Pharmaceutical Co Ltd
SHG:688505
 $828.11 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Heritage Commerce Corp's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 689,727,000 to 708,566,000, a change of 18,839,000 (2.7%).
  • Net income of 47,830,000 contributed positively to equity growth.
  • Dividend payments of 31,917,000 reduced retained earnings.
  • Share repurchases of 4,049,000 reduced equity.
  • Other comprehensive income increased equity by 3,385,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income $47.83 Million +6.75%
Dividends Paid $31.92 Million -4.5%
Share Repurchases $4.05 Million -0.57%
Other Comprehensive Income $3.38 Million +0.48%
Other Changes $3.59 Million +0.51%
Total Change $- 2.73%

Book Value vs Market Value Analysis

This analysis compares Heritage Commerce Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 1.17x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 7.10x to 1.17x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1997-12-31 $1.90 $13.45 x
1998-12-31 $2.60 $13.45 x
1999-12-31 $6.85 $13.45 x
2000-12-31 $6.90 $13.45 x
2001-12-31 $8.24 $13.45 x
2002-12-31 $9.29 $13.45 x
2003-12-31 $7.74 $13.45 x
2004-12-31 $8.26 $13.45 x
2005-12-31 $9.19 $13.45 x
2006-12-31 $10.24 $13.45 x
2007-12-31 $13.10 $13.45 x
2008-12-31 $15.30 $13.45 x
2009-12-31 $14.58 $13.45 x
2010-12-31 $6.94 $13.45 x
2011-12-31 $7.52 $13.45 x
2012-12-31 $5.27 $13.45 x
2013-12-31 $5.41 $13.45 x
2014-12-31 $6.95 $13.45 x
2015-12-31 $8.53 $13.45 x
2016-12-31 $7.59 $13.45 x
2017-12-31 $7.03 $13.45 x
2018-12-31 $8.71 $13.45 x
2019-12-31 $12.04 $13.45 x
2020-12-31 $9.60 $13.45 x
2021-12-31 $9.85 $13.45 x
2022-12-31 $10.35 $13.45 x
2023-12-31 $10.98 $13.45 x
2024-12-31 $11.21 $13.45 x
2025-12-31 $11.48 $13.45 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Heritage Commerce Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 6.75%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 17.97%
  • • Asset Turnover: 0.05x
  • • Equity Multiplier: 8.14x
  • Recent ROE (6.75%) is above the historical average (5.85%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1997 7.01% 26.73% 0.02x 11.98x $-668.60K
1998 11.40% 8.45% 0.10x 13.19x $430.00K
1999 8.32% 9.13% 0.08x 11.99x $-950.00K
2000 6.81% 7.67% 0.08x 10.61x $-2.54 Million
2001 7.77% 10.19% 0.08x 9.75x $-2.09 Million
2002 6.78% 11.62% 0.06x 9.06x $-3.41 Million
2003 8.65% 13.29% 0.06x 11.17x $-1.21 Million
2004 8.60% 13.85% 0.06x 11.24x $-1.38 Million
2005 12.94% 19.74% 0.06x 10.13x $3.28 Million
2006 14.06% 20.86% 0.08x 8.44x $4.99 Million
2007 8.55% 16.25% 0.06x 8.18x $-2.39 Million
2008 0.96% 2.13% 0.06x 8.14x $-16.66 Million
2009 -6.96% -17.04% 0.05x 7.92x $-29.22 Million
2010 -30.67% -87.52% 0.05x 6.84x $-74.07 Million
2011 5.75% 18.98% 0.05x 6.60x $-8.41 Million
2012 5.84% 16.29% 0.04x 9.98x $-7.07 Million
2013 6.66% 19.46% 0.04x 8.60x $-5.80 Million
2014 7.28% 20.04% 0.04x 8.77x $-5.01 Million
2015 6.72% 18.80% 0.04x 9.62x $-8.05 Million
2016 10.54% 25.82% 0.04x 9.89x $1.40 Million
2017 8.78% 20.45% 0.04x 10.48x $-3.31 Million
2018 9.61% 25.34% 0.05x 8.43x $-1.42 Million
2019 7.02% 26.46% 0.04x 7.13x $-17.21 Million
2020 6.11% 22.01% 0.03x 8.02x $-22.49 Million
2021 7.98% 29.27% 0.03x 9.20x $-12.10 Million
2022 10.52% 33.45% 0.04x 8.15x $3.31 Million
2023 0.01% 716.19% 0.00x 7.72x $-67.23 Million
2024 5.88% 16.12% 0.04x 8.18x $-28.44 Million
2025 6.75% 17.97% 0.05x 8.14x $-23.03 Million

Industry Comparison

This section compares Heritage Commerce Corp's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

  • Industry: Banks - Regional
  • Average net assets among peers: $552,557,300
  • Average return on equity (ROE) among peers: 11.02%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Heritage Commerce Corp (HTBK) $708.57 Million 7.01% 7.14x $828.43 Million
Ameris Bancorp (ABCB) $1.46 Billion 8.31% 6.86x $4.95 Billion
Ameris Bancorp (ABCB) $120.94 Million 10.83% 9.48x $5.70 Billion
ACNB Corporation (ACNB) $74.01 Million 9.97% 11.77x $483.21 Million
Affinity Bancshares Inc (AFBI) $129.12 Million 4.21% 5.71x $135.98 Million
Alerus Financial Corp (ALRS) $153.31 Million 13.22% 8.01x $647.19 Million
Amalgamated Bank (AMAL) $535.82 Million 8.62% 10.16x $1.14 Billion
Amerant Bancorp Inc. (AMTB) $901.22 Million 12.53% 7.48x $962.39 Million
Arrow Financial Corporation (AROW) $72.29 Million 17.85% 12.85x $601.02 Million
Associated Banc-Corp (ASB) $2.02 Billion 12.80% 9.17x $5.20 Billion
AmeriServ Financial Inc (ASRV) $65.10 Million 11.83% 10.90x $62.60 Million

About Heritage Commerce Corp

NASDAQ:HTBK USA Banks - Regional
Market Cap
$828.43 Million
Market Cap Rank
#9977 Global
#2554 in USA
Share Price
$13.45
Change (1 day)
+0.00%
52-Week Range
$9.04 - $13.70
All Time High
$13.70
Categories
Companies in USA Banks - Regional Banking & Financial
About

Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. The company operates through two segments, Banking and Factoring. Its deposit products for business banking and retail markets include interest and non-interest-bearing demand, s… Read more