Heritage Commerce (XHC) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
XHC Community Fair Values
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Heritage Commerce Corp Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$11.20 |
| 52 Week High | US$11.30 |
| 52 Week Low | US$7.15 |
| Beta | 0.78 |
| 1 Month Change | 6.67% |
| 3 Month Change | 24.44% |
| 1 Year Change | 28.00% |
| 3 Year Change | 0% |
| 5 Year Change | 50.80% |
| Change since IPO | 86.67% |
Recent News & Updates
Recent updates
Shareholder Returns
| XHC | DE Banks | DE Market | |
|---|---|---|---|
| 7D | 2.8% | -0.8% | -1.0% |
| 1Y | 28.0% | 53.5% | 10.1% |
Return vs Industry: XHC underperformed the German Banks industry which returned 53.5% over the past year.
Return vs Market: XHC exceeded the German Market which returned 10.1% over the past year.
Price Volatility
| XHC volatility | |
|---|---|
| XHC Average Weekly Movement | 9.1% |
| Banks Industry Average Movement | 3.2% |
| Market Average Movement | 5.2% |
| 10% most volatile stocks in DE Market | 12.9% |
| 10% least volatile stocks in DE Market | 2.6% |
Stable Share Price: XHC's share price has been volatile over the past 3 months compared to the German market.
Volatility Over Time: XHC's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of German stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1994 | 350 | Clay Jones | www.heritagecommercecorp.com |
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 provides commercial loans for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial and construction loans; 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.
Heritage Commerce Corp Fundamentals Summary
| XHC fundamental statistics | |
|---|---|
| Market cap | €668.10m |
| Earnings (TTM) | €40.46m |
| Revenue (TTM) | €165.50m |
Is XHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| XHC income statement (TTM) | |
|---|---|
| Revenue | US$195.65m |
| Cost of Revenue | US$0 |
| Gross Profit | US$195.65m |
| Other Expenses | US$147.82m |
| Earnings | US$47.83m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.78 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.45% |
| Debt/Equity Ratio | 5.6% |
How did XHC perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/25 17:53 |
| End of Day Share Price | 2026/01/23 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Heritage Commerce Corp is covered by 12 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| Timothy Coffey | Janney Montgomery Scott LLC |
| Wood Lay | Keefe, Bruyette, & Woods |