Heritage Commerce Corp (HTBK) — Working Capital to Net Assets Ratio
Heritage Commerce Corp (HTBK) has a Working Capital to Net Assets ratio of -233.0% as of December 2025. Working capital of $-1.65 Billion (current assets of $614.64 Million minus current liabilities of $2.27 Billion) is measured against net assets of $708.57 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Heritage Commerce Corp free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Heritage Commerce Corp Working Capital to Net Assets (1997–2025)
This chart shows how Heritage Commerce Corp's Working Capital to Net Assets ratio has evolved across 29 annual periods from 1997 to 2025. As of December 2025, the ratio stands at -233.0%, reflecting working capital of $-1.65 Billion against net assets of $708.57 Million USD. See Heritage Commerce Corp defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Heritage Commerce Corp (1997–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Heritage Commerce Corp from 1997 to 2025, covering 29 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see how much is Heritage Commerce Corp worth.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -233.0% | $-1.65 Billion | $708.57 Million | $614.64 Million | $2.27 Billion | ▲ +288.3 pp |
| 2024 | -521.3% | $-3.60 Billion | $689.73 Million | $1.22 Billion | $4.82 Billion | ▲ +2.9 pp |
| 2023 | -524.3% | $-3.53 Billion | $672.90 Million | $850.76 Million | $4.38 Billion | ▼ -649.7 pp |
| 2022 | 125.5% | $793.49 Million | $632.46 Million | $889.66 Million | $96.17 Million | ▼ -112.7 pp |
| 2021 | 238.1% | $1.42 Billion | $598.03 Million | $1.53 Billion | $102.04 Million | ▼ -1.7 pp |
| 2020 | 239.8% | $1.39 Billion | $577.89 Million | $1.49 Billion | $102.00 Million | ▲ +684.4 pp |
| 2019 | -444.6% | $-2.56 Billion | $576.71 Million | $929.34 Million | $3.49 Billion | ▼ -1017.5 pp |
| 2018 | 572.9% | $2.11 Billion | $367.47 Million | $2.16 Billion | $52.20 Million | ▼ -143.7 pp |
| 2017 | 716.6% | $1.94 Billion | $271.36 Million | $1.99 Billion | $50.04 Million | ▲ +1366.1 pp |
| 2016 | -649.5% | $-1.69 Billion | $259.85 Million | $623.20 Million | $2.31 Billion | ▼ -101.3 pp |
| 2015 | -548.3% | $-1.35 Billion | $245.44 Million | $770.51 Million | $2.12 Billion | ▲ +31.1 pp |
| 2014 | -579.3% | $-1.07 Billion | $184.36 Million | $364.68 Million | $1.43 Billion | ▼ -65.7 pp |
| 2013 | -513.6% | $-890.64 Million | $173.40 Million | $427.60 Million | $1.32 Billion | ▼ -79.0 pp |
| 2012 | -434.6% | $-737.70 Million | $169.74 Million | $776.59 Million | $1.51 Billion | ▼ -136.2 pp |
| 2011 | -298.4% | $-590.31 Million | $197.83 Million | $494.35 Million | $1.08 Billion | ▲ +208.0 pp |
| 2010 | -506.4% | $-922.43 Million | $182.15 Million | $118.08 Million | $1.04 Billion | ▲ +116.1 pp |
| 2009 | -622.6% | $-1.07 Billion | $172.31 Million | $95.17 Million | $1.17 Billion | ▲ +34.4 pp |
| 2008 | -657.0% | $-1.21 Billion | $184.27 Million | $65.63 Million | $1.28 Billion | ▲ +0.4 pp |
| 2007 | -657.4% | $-1.08 Billion | $164.82 Million | $75.42 Million | $1.16 Billion | ▲ +9.8 pp |
| 2006 | -667.2% | $-819.41 Million | $122.82 Million | $71.20 Million | $890.62 Million | ▲ +155.2 pp |
| 2005 | -822.4% | $-917.91 Million | $111.62 Million | $77.28 Million | $995.19 Million | ▲ +61.4 pp |
| 2004 | -883.8% | $-871.22 Million | $98.58 Million | $66.87 Million | $938.09 Million | ▼ -15.6 pp |
| 2003 | -868.2% | $-780.04 Million | $89.85 Million | $69.15 Million | $849.20 Million | ▼ -126.0 pp |
| 2002 | -742.2% | $-785.71 Million | $105.86 Million | $67.18 Million | $852.89 Million | ▲ +80.0 pp |
| 2001 | -822.2% | $-769.35 Million | $93.57 Million | $49.85 Million | $819.20 Million | ▲ +49.2 pp |
| 2000 | -871.4% | $-694.80 Million | $79.73 Million | $53.69 Million | $748.49 Million | ▲ +156.4 pp |
| 1999 | -1027.8% | $-580.70 Million | $56.50 Million | $28.00 Million | $608.70 Million | ▲ +109.0 pp |
| 1998 | -1136.8% | $-349.00 Million | $30.70 Million | $25.20 Million | $374.20 Million | ▼ -242.3 pp |
| 1997 | -894.5% | $-199.79 Million | $22.34 Million | $43.19 Million | $242.98 Million | — |