What is Heritage Comm Corp's earnings per share (EPS)?

Heritage Comm Corp (HTBK) reported diluted earnings per share of $0.78 for fiscal year 2025. This represents a 18.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Heritage Comm Corp (HTBK) Financials

HTBK

FY2025 annual

Revenue $197.5M +14.5% YoY

Net Income $47.8M +18.0% YoY

EPS (Diluted) $0.78 +18.2% YoY

Free Cash Flow $61.3M +64.1% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Mar 9, 2026 Currency USD FYE December

Newest figures come from the 10-K for FY2025, filed Mar 9, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HTBK SEC filings page.

Heritage Comm Corp (HTBK) reported $197.5M in revenue for fiscal year 2025, up 14.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HTBK FY2025 2026-09-05

Balance-sheet-intensive model converts earnings to cash, but leverage keeps returns modest despite the FY2025 recovery.

FY2025 free cash flow of $61M exceeded net income of $48M, indicating earnings were accompanied by cash generation. Yet return on assets was only 0.8%, so the cash-producing rebound did not change the underlying economics: a large asset base still generates relatively little profit per dollar deployed.

Debt-to-equity fell from 8.2x in FY2021 to 7.1x in FY2025, an improvement in balance-sheet leverage, but it remains high relative to equity. That helps explain why return on equity was only 6.8% despite net income of $48M: profit is measured against a heavily funded asset base.

Revenue recovered to $197M in FY2025 after FY2024's contraction. The cost structure still absorbs substantial economic output: SG&A was $67M and interest expense was $72M, so revenue recovery does not translate one-for-one into shareholder returns.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Heritage Comm Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Heritage Comm Corp earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Heritage Comm Corp scores 51/100 among other banks.

Growth

Heritage Comm Corp reported revenue of $197.5M in fiscal year 2025, against $172.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Heritage Comm Corp scores 23/100 among other banks.

Capital

Heritage Comm Corp funded 12.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $708.6M of equity against $5.8B of assets. Capital ranks banks on that cushion, and Heritage Comm Corp scores 62/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Heritage Comm Corp scores 53/100 on it among other banks.

Credit Quality

Not available for Heritage Comm Corp, and counted as zero in the overall score.

Stability

Heritage Comm Corp reported net income of $47.8M in fiscal year 2025, against $40.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Heritage Comm Corp scores 61/100 among other banks.

Piotroski F-Score Partial

5/6

Heritage Comm Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.29x

For every $1 of reported earnings, Heritage Comm Corp generates $1.29 in operating cash flow ($61.7M OCF vs $47.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$53.6M

YoY+15.6%

QoQ+7.2%

5Y CAGR+8.1%

10Y CAGR+7.9%

Heritage Comm Corp generated $53.6M in revenue in Q4 2025. This represents an increase of 15.6% from the same quarter a year earlier. Against the prior quarter it is up 7.2%.

Net Income

$15.1M

YoY+42.3%

QoQ+2.9%

5Y CAGR+5.4%

10Y CAGR+13.1%

Heritage Comm Corp reported $15.1M in net income in Q4 2025. This represents an increase of 42.3% from the same quarter a year earlier. Against the prior quarter it is up 2.9%.

EPS (Diluted)

$0.25

YoY+47.1%

QoQ+4.2%

5Y CAGR+5.6%

10Y CAGR+7.6%

Heritage Comm Corp earned $0.25 per diluted share (EPS) in Q4 2025. This represents an increase of 47.1% from the same quarter a year earlier. Against the prior quarter it is up 4.2%.

EBITDA

Not reported for Q4 2025.

Cash & Balance Sheet

Free Cash Flow

$19.9M

YoY+26.3%

QoQ+5.4%

Heritage Comm Corp generated $19.9M in free cash flow in Q4 2025, representing cash available after capex. This represents an increase of 26.3% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.

Cash & Debt

$647.0M

YoY-33.2%

QoQ-13.5%

5Y CAGR-10.6%

Heritage Comm Corp held $647.0M in cash as of Q4 2025; long-term debt is not reported for that period.

Shares Outstanding

62M

YoY+0.2%

QoQ+0.5%

5Y CAGR+0.6%

10Y CAGR+6.7%

Heritage Comm Corp had 62M shares outstanding in Q4 2025. This represents an increase of 0.2% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Dividends Per Share

Not reported for Q4 2025.

Margins & Returns

Net Margin

28.2%

YoY+5.3pp

QoQ-1.2pp

5Y CAGR-3.9pp

10Y CAGR+10.5pp

Heritage Comm Corp's net profit margin was 28.2% in Q4 2025, showing the share of revenue converted to profit. This is up 5.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.2 percentage points.

Return on Equity

2.1%

YoY+0.6pp

QoQ0.0pp

5Y CAGR+0.1pp

10Y CAGR+0.3pp

Heritage Comm Corp's ROE was 2.1% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q4 2025.

Operating Margin

Not reported for Q4 2025.

Capital Allocation

Share Buybacks

QoQ-100.0%

Heritage Comm Corp repurchased no shares in Q4 2025. Against the prior quarter it is down 100.0%.

Capital Expenditures

$119K

YoY+12.3%

QoQ+325.0%

Heritage Comm Corp invested $119K in capex in Q4 2025, funding long-term assets and infrastructure. This represents an increase of 12.3% from the same quarter a year earlier. Against the prior quarter it is up 325.0%.

R&D Spending

Not reported for Q4 2025.

HTBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTBK quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$197.5M+14.5%	$172.4M-10.3%	$192.2M+1.2%	$190.0M+21.9%	$155.8M+2.6%	$151.8M+6.9%	$142.1M+7.9%	$131.6M+18.4%	$111.1M+8.1%	$102.8M+20.6%	$85.3M+31.5%	$64.8M+13.0%	$57.4M+0.3%	$57.2M+4.9%	$54.6M
SG&A Expenses	$66.5M+4.0%	$64.0M+12.5%	$56.9M+2.8%	$55.3M+6.7%	$51.9M+1.8%	$50.9M+0.3%	$50.8M+16.0%	$43.8M+22.5%	$35.7M+7.0%	$33.4M-5.0%	$35.1M+33.9%	$26.3M+11.9%	$23.4M+8.0%	$21.7M+5.6%	$20.6M
Interest Expense	$71.6M-9.4%	$79.1M+54.8%	$51.1M+470.8%	$8.9M+25.5%	$7.1M-16.9%	$8.6M-20.9%	$10.8M+38.7%	$7.8M+45.2%	$5.4M+67.8%	$3.2M+32.6%	$2.4M+12.5%	$2.2M-17.2%	$2.6M-37.9%	$4.2M-28.7%	$5.9M
Income Tax	$20.0M+23.6%	$16.1M-37.8%	$26.0M-6.6%	$27.8M+53.1%	$18.2M+32.0%	$13.8M-13.1%	$15.9M+19.0%	$13.3M-49.7%	$26.5M+59.6%	$16.6M+64.2%	$10.1M+34.0%	$7.5M+21.5%	$6.2M+13.1%	$5.5M+758.2%	-$834K
Net Income	$47.8M+18.0%	$40.5M-37.1%	$64.4M-3.2%	$66.6M+39.5%	$47.7M+35.1%	$35.3M-12.8%	$40.5M+14.5%	$35.3M+48.3%	$23.8M-13.0%	$27.4M+66.0%	$16.5M+22.9%	$13.4M+16.4%	$11.5M+16.5%	$9.9M-12.9%	$11.4M
EPS (Basic)	$0.78+18.2%	$0.66-37.7%	$1.06-3.6%	$1.10+39.2%	$0.79+33.9%	$0.59-32.2%	$0.87+2.4%	$0.85+34.9%	$0.63-12.5%	$0.72+50.0%	$0.48+14.3%	$0.42+16.7%	$0.36+33.3%	$0.27-3.6%	$0.28
EPS (Diluted)	$0.78+18.2%	$0.66-37.1%	$1.05-3.7%	$1.09+38.0%	$0.79+33.9%	$0.59-29.8%	$0.840.0%	$0.84+35.5%	$0.62-13.9%	$0.72+50.0%	$0.48+14.3%	$0.42+16.7%	$0.36+33.3%	$0.27-3.6%	$0.28
Diluted Shares (Avg)	62M+0.3%	62M+0.4%	61M+0.4%	61M+0.7%	61M+0.9%	60M+25.6%	48M+13.6%	42M+9.3%	39M+12.8%	34M+18.9%	29M+8.5%	27M+0.5%	26M+0.2%	26M+0.2%	26M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Revenue	$53.6M+15.6%	$50.0M+18.6%	$47.8M+14.5%	$46.1M+9.3%	$46.4M+4.8%	$42.2M-11.4%	$41.7M-13.7%	$42.1M-19.0%
SG&A Expenses	$16.8M-1.1%	$16.9M+8.1%	$16.2M+2.7%	$16.6M+6.9%	$17.0M+22.0%	$15.7M+10.8%	$15.8M+12.9%	$15.5M+4.7%
Interest Expense	$16.6M-18.7%	$18.3M-14.9%	$18.2M-7.1%	$18.5M+5.8%	$20.4M+23.2%	$21.5M+39.6%	$19.6M+62.9%	$17.5M+148.8%
Income Tax	$6.9M+66.6%	$5.9M+48.9%	$2.5M-33.8%	$4.7M+10.5%	$4.1M-19.9%	$3.9M-39.0%	$3.8M-42.8%	$4.3M-44.6%
Net Income	$15.1M+42.3%	$14.7M+39.9%	$6.4M-30.8%	$11.6M+14.4%	$10.6M-20.3%	$10.5M-33.5%	$9.2M-43.7%	$10.2M-46.3%
EPS (Basic)	$0.25+47.1%	$0.24+41.2%	$0.10-33.3%	$0.19+11.8%	$0.17-22.7%	$0.17-34.6%	$0.15-44.4%	$0.17-45.2%
EPS (Diluted)	$0.25+47.1%	$0.24+41.2%	$0.10-33.3%	$0.19+11.8%	$0.17-22.7%	$0.17-34.6%	$0.15-44.4%	$0.17-45.2%
Diluted Shares (Avg)	N/A	62M+0.1%	62M+0.3%	62M+0.4%	N/A	62M+0.2%	61M+0.3%	61M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

HTBK Balance Sheet

HTBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.8B+2.1%	$5.6B+8.7%	$5.2B+0.7%	$5.2B-6.2%	$5.5B+18.7%	$4.6B+12.8%	$4.1B+32.7%	$3.1B+8.9%	$2.8B+10.6%	$2.6B+8.9%	$2.4B+46.0%	$1.6B+8.4%	$1.5B-11.9%	$1.7B+29.6%	$1.3B
Cash & Equivalents	$647.0M-33.2%	$968.1M+137.2%	$408.1M+33.1%	$306.6M-76.5%	$1.3B+15.5%	$1.1B+147.3%	$457.4M+177.9%	$164.6M-48.0%	$316.2M+18.8%	$266.1M-22.7%	$344.1M	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A
Goodwill	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M+0.1%	$167.4M+99.9%	$83.8M+83.4%	$45.7M0.0%	$45.7M0.0%	$45.7M+250.1%	$13.0M	N/A	N/A	N/A
Total Liabilities	$5.1B+2.0%	$5.0B+9.6%	$4.5B-0.1%	$4.5B-7.7%	$4.9B+20.8%	$4.1B+14.8%	$3.5B+29.4%	$2.7B+6.1%	$2.6B+11.3%	$2.3B+9.2%	$2.1B+47.7%	$1.4B+8.7%	$1.3B-13.5%	$1.5B+37.5%	$1.1B
Total Equity	$708.6M+2.7%	$689.7M+2.5%	$672.9M+6.4%	$632.5M+5.8%	$598.0M+3.5%	$577.9M+0.2%	$576.7M+56.9%	$367.5M+35.5%	$271.2M+4.4%	$259.9M+5.9%	$245.4M+33.1%	$184.4M+6.3%	$173.4M+2.2%	$169.7M-14.2%	$197.8M
Retained Earnings	$203.7M+8.5%	$187.8M+4.8%	$179.1M+22.3%	$146.4M+31.5%	$111.3M+17.3%	$94.9M-1.9%	$96.7M+22.5%	$79.0M+27.1%	$62.1M+18.3%	$52.5M+35.5%	$38.8M+17.4%	$33.0M+30.3%	$25.3M+61.2%	$15.7M+119.2%	$7.2M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Total Assets	$5.8B+2.1%	$5.6B+1.3%	$5.5B+3.9%	$5.5B+4.9%	$5.6B+8.7%	$5.6B+2.7%	$5.3B-0.9%	$5.3B-5.1%
Cash & Equivalents	$647.0M-33.2%	$747.7M-21.8%	$721.8M+11.3%	$745.0M+37.6%	$968.1M+137.2%	$956.3M+48.1%	$648.3M+26.7%	$541.4M-26.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%
Total Liabilities	$5.1B+2.0%	$4.9B+1.2%	$4.8B+4.1%	$4.8B+5.2%	$5.0B+9.6%	$4.9B+2.6%	$4.6B-1.6%	$4.6B-6.3%
Total Equity	$708.6M+2.7%	$700.0M+2.1%	$694.7M+2.3%	$696.2M+2.9%	$689.7M+2.5%	$685.4M+3.5%	$679.2M+3.9%	$676.3M+4.5%
Retained Earnings	$203.7M+8.5%	$196.5M+6.2%	$189.8M+4.0%	$191.4M+5.6%	$187.8M+4.8%	$185.1M+6.6%	$182.6M+10.1%	$181.3M+15.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HTBK Cash Flow Statement

HTBK quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$61.7M+58.3%	$39.0M-46.6%	$73.0M+4.5%	$69.9M+22.9%	$56.8M-0.8%	$57.3M+13.8%	$50.3M+3.6%	$48.6M+17.4%	$41.4M+59.7%	$25.9M-9.1%	$28.5M+47.0%	$19.4M+19.2%	$16.3M+1.4%	$16.0M-25.2%	$21.4M
Depreciation & Amortization	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$725K-0.5%	$729K-2.8%	$750K-2.1%	$766K
Stock-Based Compensation	$2.1M-26.7%	$2.8M+18.6%	$2.4M-24.6%	$3.2M+26.2%	$2.5M+12.1%	$2.2M+16.8%	$1.9M+5.9%	$1.8M+3.8%	$1.8M+9.8%	$1.6M	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	$377K-76.8%	$1.6M-2.8%	$1.7M+113.4%	$783K+210.7%	$252K-92.0%	$3.2M+1456.7%	$203K+8.6%	$187K-71.2%	$649K+35.2%	$480K-52.3%	$1.0M+23.3%	$817K+63.4%	$500K+109.2%	$239K-31.5%	$349K
Free Cash Flow	$61.3M+64.1%	$37.3M-47.6%	$71.3M+3.3%	$69.1M+22.0%	$56.6M+4.5%	$54.1M+8.0%	$50.1M+3.6%	$48.4M+18.9%	$40.7M+60.2%	$25.4M-7.5%	$27.5M+48.0%	$18.6M+17.8%	$15.8M-0.2%	$15.8M-25.1%	$21.1M
Investing Cash Flow	-$431.5M-490.1%	$110.6M+57.6%	$70.2M+110.5%	-$669.5M+3.9%	-$696.8M-576.0%	$146.4M-46.0%	$271.2M+249.3%	$77.7M+132.7%	-$237.3M+17.5%	-$287.6M-319.8%	-$68.5M	N/A	N/A	N/A	N/A
Financing Cash Flow	$48.7M-88.1%	$410.4M+1085.0%	-$41.7M+89.6%	-$400.0M-149.1%	$815.1M+73.4%	$470.0M+1733.2%	-$28.8M+89.6%	-$277.9M-212.9%	$246.1M+34.0%	$183.7M-29.8%	$261.7M	N/A	N/A	N/A	N/A
Dividends Paid	$31.9M+0.2%	$31.9M+0.4%	$31.7M+0.8%	$31.5M+0.7%	$31.3M+0.6%	$31.1M+36.8%	$22.7M+23.1%	$18.5M+21.2%	$15.2M+11.8%	$13.6M+26.9%	$10.7M+86.5%	$5.8M+200.5%	$1.9M	N/A	N/A
Share Buybacks	$4.0M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Operating Cash Flow	$20.0M+26.3%	$18.9M+255.6%	$8.0M-23.8%	$14.8M+102.1%	$15.8M+445.3%	$5.3M-68.5%	$10.5M-65.9%	$7.3M-75.5%
Capital Expenditures	$119K+12.3%	-$28K-93.6%	N/A	N/A	$106K-75.7%	$436K-44.9%	$653K+98.5%	$429K+279.6%
Free Cash Flow	$19.9M+26.3%	$18.8M+286.9%	N/A	N/A	$15.7M+413.1%	$4.9M-69.7%	$9.9M-67.6%	$6.9M-76.9%
Investing Cash Flow	-$239.7M-176.3%	-$132.2M-613.3%	$34.6M-66.9%	-$94.1M-240.0%	-$86.7M-208.5%	$25.8M-49.0%	$104.4M+1420.6%	$67.3M+20.6%
Financing Cash Flow	$119.0M+43.9%	$139.3M-49.7%	-$65.8M-726.7%	-$143.8M-345.2%	$82.7M+140.4%	$277.0M+315.0%	-$8.0M+96.8%	$58.6M-83.1%
Dividends Paid	$8.0M0.0%	$8.0M0.0%	$8.0M+0.3%	$8.0M+0.4%	$8.0M+0.3%	$8.0M+0.3%	$8.0M+0.4%	$8.0M+0.5%
Share Buybacks	$0	$2.1M	N/A	N/A	$0	$0	N/A	N/A

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

HTBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	24.2%+0.7pp	23.5%-10.0pp	33.5%-1.5pp	35.0%+4.4pp	30.6%+7.4pp	23.3%-5.2pp	28.5%+1.6pp	26.9%+5.4pp	21.4%-5.2pp	26.6%+7.3pp	19.3%-1.4pp	20.7%+0.6pp	20.1%+2.8pp	17.3%-3.5pp	20.8%
Return on Equity	6.8%+0.9pp	5.9%-3.7pp	9.6%-0.9pp	10.5%+2.5pp	8.0%+1.9pp	6.1%-0.9pp	7.0%-2.6pp	9.6%+0.8pp	8.8%-1.8pp	10.5%+3.8pp	6.7%-0.6pp	7.3%+0.6pp	6.7%+0.8pp	5.8%+0.1pp	5.8%
Return on Assets	0.8%+0.1pp	0.7%-0.5pp	1.2%-0.1pp	1.3%+0.4pp	0.9%+0.1pp	0.8%-0.2pp	1.0%-0.2pp	1.1%+0.3pp	0.8%-0.2pp	1.1%+0.4pp	0.7%-0.1pp	0.8%+0.1pp	0.8%+0.2pp	0.6%-0.3pp	0.9%
Debt-to-Equity	7.140.0x	7.18+0.5x	6.72-0.4x	7.15-1.0x	8.20+1.2x	7.02+0.9x	6.13-1.3x	7.43-2.1x	9.48+0.6x	8.89+0.3x	8.62+0.9x	7.77+0.2x	7.60-1.4x	8.98+3.4x	5.60
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.04
FCF Margin	31.0%+9.4pp	21.7%-15.4pp	37.1%+0.8pp	36.4%0.0pp	36.3%+0.7pp	35.7%+0.4pp	35.3%-1.5pp	36.8%+0.1pp	36.6%+11.9pp	24.7%-7.5pp	32.2%+3.6pp	28.6%+1.2pp	27.5%-0.2pp	27.6%-11.0pp	38.6%

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Net Margin	28.2%+5.3pp	29.4%+4.5pp	13.4%-8.8pp	25.2%+1.1pp	22.9%-7.2pp	24.9%-8.3pp	22.1%-11.8pp	24.1%-12.2pp
Return on Equity	2.1%+0.6pp	2.1%+0.6pp	0.9%-0.4pp	1.7%+0.2pp	1.5%-0.4pp	1.5%-0.9pp	1.4%-1.2pp	1.5%-1.4pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.1%-0.1pp	0.2%0.0pp	0.2%-0.1pp	0.2%-0.1pp	0.2%-0.1pp	0.2%-0.1pp
Debt-to-Equity	7.140.0x	7.03-0.1x	6.87+0.1x	6.92+0.1x	7.18+0.5x	7.10-0.1x	6.75-0.4x	6.77-0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	37.0%+3.1pp	37.7%+26.1pp	N/A	N/A	33.9%+45.2pp	11.6%-22.2pp	23.6%-39.4pp	16.4%-41.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Heritage Comm Corp HTBK	FY2025	$197.5M	$47.8M	24.2%	$828.4M	42/100
South Plains Financial SPFI	FY2025	$211.9M	$58.5M	27.6%	$859.6M	48/100
Eagle Bancorp Inc Md EGBN	FY2025	$299.2M	-$138.1M	-46.1%	$859.0M	18/100
Mid Penn Bancp MPB	FY2025	$225.9M	$56.2M	24.9%	$947.5M	63/100
Unity Bancorp UNTY	FY2025	$131.8M	$58.0M	44.0%	$602.2M	62/100

Where Heritage Comm Corp Ranks

Frequently Asked Questions

What is Heritage Comm Corp's annual revenue?

Heritage Comm Corp (HTBK) reported $197.5M in total revenue for fiscal year 2025. This represents a 14.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Heritage Comm Corp's revenue growing?

Heritage Comm Corp (HTBK) revenue grew by 14.5% year-over-year, from $172.4M to $197.5M in fiscal year 2025.

Is Heritage Comm Corp profitable?

Yes, Heritage Comm Corp (HTBK) reported a net income of $47.8M in fiscal year 2025, with a net profit margin of 24.2%.

What is Heritage Comm Corp's net profit margin?

Heritage Comm Corp (HTBK) had a net profit margin of 24.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Heritage Comm Corp pay dividends?

Yes, Heritage Comm Corp (HTBK) paid $0.52 per share in dividends during fiscal year 2025.

What is Heritage Comm Corp's return on equity (ROE)?

Heritage Comm Corp (HTBK) has a return on equity of 6.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Heritage Comm Corp's free cash flow?

Heritage Comm Corp (HTBK) generated $61.3M in free cash flow during fiscal year 2025. This represents a 64.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Heritage Comm Corp's operating cash flow?

Heritage Comm Corp (HTBK) generated $61.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Heritage Comm Corp's total assets?

Heritage Comm Corp (HTBK) had $5.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Heritage Comm Corp's capital expenditures?

Heritage Comm Corp (HTBK) invested $377K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Heritage Comm Corp buy back shares?

Yes, Heritage Comm Corp (HTBK) spent $4.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Heritage Comm Corp have outstanding?

Heritage Comm Corp (HTBK) had 62M shares outstanding as of fiscal year 2025.

What is Heritage Comm Corp's debt-to-equity ratio?

Heritage Comm Corp (HTBK) had a debt-to-equity ratio of 7.14 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Heritage Comm Corp's return on assets (ROA)?

Heritage Comm Corp (HTBK) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Heritage Comm Corp's Piotroski F-Score?

Heritage Comm Corp (HTBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Heritage Comm Corp's earnings high quality?

Heritage Comm Corp (HTBK) has an earnings quality ratio of 1.29x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Heritage Comm Corp?

Heritage Comm Corp (HTBK) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.