Heritage Commerce Corp (HTBK)

Heritage Commerce Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	47.83	40.53	64.44	66.56	47.7
Depreciation & Amortization	3.12	3.53	3.52	3.76	4.07
Provision for Credit Losses	1.82	2.14	0.75	0.76	-3.13
Stock-Based Compensation	1.94	2.84	2.4	3.57	2.52
Net Change in Loans Held-for-Sale	0.32	-0.17	0.25	-0.57	-0.67
Other Adjustments	-2.88	-4.75	-6.83	-2.73	1.32
Changes in Accrued Interest and Accounts Receivable	-7.34	4.04	2.41	0.98	6.13
Changes in Other Operating Activities	16.87	-9.19	6.07	-2.08	-1.08
Operating Cash Flow	61.68	38.97	73.01	69.85	56.85
Operating Cash Flow Growth	58.26%	-46.62%	4.52%	22.88%	-0.78%
Net Change in Loans Held-for-Investment	-161.16	-142.7	-52.13	-207.29	-466.04
Net Change in Securities and Investments	-269.97	254.37	122.39	-461.78	-234
Capital Expenditures	-0.38	-1.62	-1.67	-0.78	-0.25
Other Investing Activities	-0.01	0.58	1.59	-0.19	3.47
Investing Cash Flow	-431.51	110.62	70.18	-669.49	-696.83
Net Change in Deposits	83.06	441.57	-11.15	-369.81	844.93
Long-Term Debt Issued	-	-	-	39.27	-
Long-Term Debt Repaid	-	-	-	-40	-
Net Long-Term Debt Issued (Repaid)	-	-	-	-0.73	-
Issuance of Common Stock	1.65	0.69	1.22	2.05	1.47
Repurchase of Common Stock	-4.05	-	-	-	-
Net Common Stock Issued (Repurchased)	-2.4	0.69	1.22	2.05	1.47
Common Dividends Paid	-31.92	-31.86	-31.74	-31.5	-31.27
Financing Cash Flow	48.74	410.41	-41.67	-399.98	815.13
Net Cash Flow	-321.1	559.99	101.53	-999.61	175.14
Free Cash Flow	61.3	37.35	71.34	69.07	56.6
Free Cash Flow Growth	64.13%	-47.65%	3.28%	22.04%	4.55%
FCF Margin	16.09%	11.26%	19.15%	18.71%	18.55%
Free Cash Flow Per Share	0.99	0.61	1.16	1.13	0.93
Levered Free Cash Flow	60.11	37.28	74.77	67.7	56.56
Unlevered Free Cash Flow	12.28	-3.24	10.33	1.87	8.86

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q