Heritage Commerce Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 17, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	828	737	575	607	791	720
Market Cap Growth	42.22%	28.08%	-5.13%	-23.32%	9.80%	35.56%
Enterprise Value	249.68	776.84	615.1	646.08	830.44	760.38
Last Close Price	13.45	12.01	9.38	9.92	13.00	11.94
PE Ratio	17.27	15.40	14.21	9.45	11.93	15.11
Forward PE	13.32	12.97	13.63	10.82	9.41	14.53
PEG Ratio	-	1.50	1.50	1.50	1.50	1.50
PS Ratio	4.23	1.93	1.74	1.63	2.14	2.36
PB Ratio	1.16	1.04	0.83	0.90	1.25	1.20
P/TBV Ratio	1.17	1.05	0.84	0.90	1.26	1.21
P/FCF Ratio	13.51	12.02	15.41	8.50	11.45	12.73
P/OCF Ratio	13.43	11.95	14.77	8.31	11.33	12.67
EV/Sales Ratio	1.28	2.04	1.86	1.73	2.25	2.49
EV/EBITDA Ratio	-	249.15	174.30	183.49	221.10	186.92
EV/FCF Ratio	4.07	12.67	16.47	9.06	12.02	13.44
Debt / Equity Ratio	0.06	0.06	0.06	0.06	0.06	0.07
Debt / EBITDA Ratio	12.77	12.77	11.24	11.22	10.48	9.81
Debt / FCF Ratio	0.65	0.65	1.06	0.55	0.57	0.71
Net Debt / Equity Ratio	0.06	0.06	0.06	0.06	0.06	0.07
Net Debt / EBITDA Ratio	12.77	12.77	11.24	11.22	10.48	9.81
Net Debt / FCF Ratio	0.65	0.65	1.06	0.55	0.57	0.71
Asset Turnover	0.07	0.07	0.06	0.07	0.07	0.06
Return on Equity (ROE)	6.84%	6.84%	5.95%	9.87%	10.82%	8.11%
Earnings Yield	5.77%	6.49%	7.04%	10.58%	8.38%	6.62%
FCF Yield	7.40%	8.32%	6.49%	11.76%	8.73%	7.86%
Dividend Yield	3.87%	4.33%	5.54%	5.24%	4.00%	4.36%
Payout Ratio	66.76%	66.73%	78.61%	49.25%	47.32%	65.56%
Buyback Yield / Dilution	-0.28%	-0.28%	-0.35%	-0.36%	-0.66%	-0.86%
Total Shareholder Return	3.58%	4.04%	5.19%	4.88%	3.34%	3.49%

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

SEC Filings: 10-K · 10-Q