For the quarter ended September 2025, Heritage Commerce (HTBK) reported revenue of $50.01 million, up 18.6% over the same period last year. EPS came in at $0.24, compared to $0.17 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $48.61 million, representing a surprise of +2.86%. The company delivered an EPS surprise of +14.29%, with the consensus EPS estimate being $0.21.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Heritage Commerce performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 58.1% versus 60.6% estimated by three analysts on average.
- Net Interest Margin: 3.6% versus the three-analyst average estimate of 3.5%.
- Total Non-Performing - Loan: $3.66 million versus the two-analyst average estimate of $7.29 million.
- Average Balances-Interest earning assets: $5.17 billion versus the two-analyst average estimate of $5.18 billion.
- Total Non-Performing - Assets: $3.66 million versus the two-analyst average estimate of $6.59 million.
- Net Interest Income: $46.79 million versus the three-analyst average estimate of $46.03 million.
- Total Non Interest Income: $3.22 million compared to the $2.62 million average estimate based on three analysts.
- Net Interest Income (FTE): $46.84 million versus the two-analyst average estimate of $46.29 million.
View all Key Company Metrics for Heritage Commerce here>>>
Shares of Heritage Commerce have returned -2% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Heritage Commerce Corp (HTBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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