HTBK
Heritage Commerce Corp Financial Services - Banks - Regional Investor Relations →
Heritage Commerce Corp (HTBK) closed at $12.05 as of 2026-03-20, trading 31.8% above its 200-week moving average of $9.14. The stock is currently moving closer to the line, down from 32.9% last week. The 14-week RSI sits at 51, indicating neutral momentum.
Over the past 14 weeks, up-weeks have carried more volume than down-weeks (1.66 buyers-vs-sellers ratio). When trading picks up, it's more often on days the price is rising — buyers are showing more interest than sellers.
Over the past 1395 weeks of data, HTBK has crossed below its 200-week moving average 16 times. On average, these episodes lasted 37 weeks. The average one-year return after crossing below was -9.3%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $742 million, HTBK is a small-cap stock. Return on equity stands at 6.8%. The stock trades at 1.0x book value.
Over the past 26.8 years, a hypothetical investment of $100 in HTBK would have grown to $159, compared to $760 for the S&P 500. HTBK has returned 1.7% annualized vs 7.9% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: HTBK vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After HTBK Crosses Below the Line?
Across 16 historical episodes, buying HTBK when it crossed below its 200-week moving average produced an average return of -3.2% after 12 months (median +2.0%), compared to +8.6% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was -10.1% vs +18.7% for the index.
Each line shows $100 invested at the moment HTBK crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
HTBK has crossed below its 200-week MA 16 times with an average 1-year return of +-9.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 1999 | Jul 1999 | 1 | 1.1% | -22.2% | +59.3% |
| Jul 1999 | Aug 1999 | 3 | 10.3% | -17.8% | +75.6% |
| Sep 1999 | Sep 1999 | 3 | 1.0% | -22.6% | +59.3% |
| Jan 2000 | May 2003 | 174 | 38.8% | -31.9% | +59.3% |
| Oct 2007 | Mar 2012 | 230 | 84.0% | -19.3% | +14.9% |
| Dec 2018 | Dec 2018 | 3 | 9.6% | +9.7% | +44.9% |
| Mar 2019 | Apr 2019 | 2 | 6.8% | -40.9% | +49.4% |
| Apr 2019 | Dec 2019 | 33 | 9.5% | -33.6% | +42.0% |
| Jan 2020 | Mar 2021 | 62 | 47.9% | -18.1% | +34.8% |
| Jun 2021 | Jun 2021 | 1 | 0.2% | +1.9% | +39.7% |
| Jul 2021 | Aug 2021 | 2 | 1.3% | +7.4% | +40.1% |
| Mar 2023 | Jul 2023 | 20 | 28.3% | -7.5% | +43.8% |
| Aug 2023 | Dec 2023 | 18 | 13.9% | +8.0% | +49.7% |
| Jan 2024 | Jul 2024 | 25 | 15.7% | +9.9% | +47.9% |
| Dec 2024 | Jan 2025 | 3 | 7.2% | +37.7% | +38.9% |
| Mar 2025 | May 2025 | 8 | 11.1% | N/A | +49.5% |
| Average | 37 | — | +-9.3% | — |
Frequently Asked Questions
Is HTBK below its 200-week moving average?
No. Heritage Commerce Corp (HTBK) is currently 31.8% above its 200-week moving average of $9.14. It would need to fall to $9.14 to cross below the line.
What is HTBK's 200-week moving average price?
Heritage Commerce Corp's 200-week moving average is $9.14 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when HTBK drops below its 200-week moving average?
HTBK has crossed below its 200-week moving average 16 times in our data. The average one-year return after these crossings was -9.3%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 37 weeks on average.
Is HTBK a good value right now?
Here's what our data says about HTBK as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 51. Return on equity is 6.8%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does HTBK compare to the S&P 500?
Over the past 26.8 years, $100 invested in HTBK would have grown to $159, compared to $760 for the S&P 500. That's 1.7% annualized vs 7.9% for the index. HTBK has underperformed the broader market over this period.
Does HTBK pay a dividend?
Yes. Heritage Commerce Corp currently pays a dividend yield of 432.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20