HERITAGE COMMERCE CORP Financial Ratios
HTBK / Financials|FY2025 SEC 10-K data
Includes DuPont ROE decomposition, profitability margins, liquidity ratios, solvency indicators, and earnings quality analysis. All ratios calculated from FY2025 SEC 10-K data.
Key Data Points
- Altman Z-Score 0.09 (distress zone, below 1.23 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
DuPont ROE Decomposition (FY2025)
Return on Equity
6.8%
Profit Margin
1296.9%
Net Income / Revenue
Asset Turnover
0.00
Revenue / Total Assets
Equity Multiplier
8.14
Total Assets / Equity
Composite: 6.8% (reported: 6.8%)
Profitability
Gross Margin
-
Operating Margin
-
EBITDA
$67.8M
EBITDA Margin
1838.1%
Liquidity
Current Ratio
-
Quick Ratio
-
Solvency
Interest Coverage
-
Efficiency
Asset Turnover
0.00
Inventory Turnover
-
Days Sales Outstanding
-
As of FY2025 · SEC 10-K Annual Filings · Updated Mar 28, 2026
Earnings Quality
Accrual Ratio
-0.2%
-0.3pp YoY
Earnings are roughly in line with operating cash flow.
Note: For financial institutions, operating cash flow includes lending activities, which makes this ratio less comparable to non-financial companies.
This metric is for informational purposes only and does not constitute investment advice. Data sourced from SEC EDGAR filings; updates may be delayed.