GICS Sector : Financial Services
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.Its deposit products for business banking and retail markets include interest and non-interest bearing demand, savings, and money market accounts, as well as certificates of deposit and time deposits.The company's loan portfolio comprises commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; small business administration loans; home equity lines of credit; multifamily loans on residential properties; residential mortgage loans; and consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes.
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Boston Partners Grows Stock Position in Heritage Commerce Corp $HTBK
Nov -29
Creative Planning Has $1.72 Million Stock Holdings in Heritage Commerce Corp $HTBK
Nov -27
Campbell & CO Investment Adviser LLC Makes New $389,000 Investment in Heritage Commerce Corp $HTBK
Nov -17
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Oct -30
AlphaQuest LLC Sells 23,592 Shares of Heritage Commerce Corp $HTBK
Oct -30
Cwm LLC Has $201,000 Stock Position in Heritage Commerce Corp $HTBK
Oct -29
Heritage Commerce Corp's 1.0 growth in Banking is driven by strategic expansion into new markets, increased commercial lending, and a focus on digital transformation, enhancing customer experience and improving operational efficiency. Additionally, the company's strong capital position and disciplined risk management have enabled it to capitalize on growth opportunities.
Heritage Commerce Corp's 1.0 growth in factoring is driven by increasing demand for working capital solutions, expansion into new industries, and strategic partnerships. Additionally, the company's investment in digital platforms and process efficiencies has improved customer experience, leading to increased adoption and retention rates.
Heritage Commerce Corp offers a range of commercial banking services, including cash management, treasury management, and commercial lending, to help businesses manage their finances and achieve their goals.
Heritage Commerce Corp provides personal banking services, including checking and savings accounts, credit cards, and personal loans, to help individuals manage their finances and achieve their personal goals.
Heritage Commerce Corp offers wealth management services, including investment management, financial planning, and trust services, to help individuals and families achieve their long-term financial goals.
Heritage Commerce Corp provides mortgage banking services, including residential and commercial mortgage lending, to help individuals and businesses achieve their real estate goals.
Heritage Commerce Corp offers treasury management services, including cash management, wire transfers, and account reconciliation, to help businesses manage their cash flow and optimize their financial performance.
Heritage Commerce Corp operates in the banking industry, which has a moderate threat of substitutes. While customers have some alternatives, such as credit unions and online lenders, the switching costs are relatively high, and the company's strong brand and customer relationships mitigate the threat.
Heritage Commerce Corp's customers have limited bargaining power due to the company's strong market position and the lack of concentration in the banking industry. Additionally, the company's focus on customer relationships and personalized service reduces the bargaining power of individual customers.
Heritage Commerce Corp has a diverse supplier base, and the company is not heavily dependent on a single supplier. The company's strong financial position and market presence also reduce the bargaining power of its suppliers.
The banking industry has significant barriers to entry, including regulatory hurdles and high capital requirements. Additionally, Heritage Commerce Corp's strong brand and established customer relationships make it difficult for new entrants to gain traction in the market.
The banking industry is moderately competitive, with several established players competing for market share. However, Heritage Commerce Corp's strong market position, diversified product offerings, and focus on customer relationships help the company to maintain its competitive edge.
| Value | |
|---|---|
| Debt Weight | 6.42% |
| Debt Cost | 6.93% |
| Equity Weight | 93.58% |
| Equity Cost | 8.45% |
| WACC | 8.36% |
| Leverage | 6.86% |
Value: 6.6
Growth: 7.4
Quality: 6.4
Yield: 3.0
Momentum: 8.0
Volatility: 6.7
1-Year Total Return ->
Value: 5.7
Growth: 3.8
Quality: 6.6
Yield: 6.0
Momentum: 7.0
Volatility: 8.0
1-Year Total Return ->
Value: 6.2
Growth: 5.6
Quality: 5.8
Yield: 8.0
Momentum: 2.5
Volatility: 8.0
1-Year Total Return ->
Value: 3.9
Growth: 3.7
Quality: 7.3
Yield: 9.0
Momentum: 5.0
Volatility: 7.0
1-Year Total Return ->
Value: 6.2
Growth: 4.8
Quality: 5.6
Yield: 5.0
Momentum: 4.5
Volatility: 8.7
1-Year Total Return ->
Value: 5.9
Growth: 5.3
Quality: 6.4
Yield: 3.0
Momentum: 6.0
Volatility: 7.7
1-Year Total Return ->