NASDAQ$HTBK

Heritage Commerce Corp · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Net income of $11.2 million, or $0.19 per average diluted common share, was reported for the third quarter of 2020.

Heritage Commerce Corp reported a net income of $11.2 million for the third quarter of 2020, with earnings per diluted share at $0.19. The results reflect a solid performance amidst the challenges of the Coronavirus pandemic, with steady loan and deposit trends and a notable increase in noninterest income.

  • Net income for Q3 2020 was $11.2 million, or $0.19 per diluted share.
  • Noninterest income increased by 25% compared to the previous quarter, driven by gains on sales of SBA loans and warrant exercises.
  • Credit quality metrics remained stable, with a significant portion of COVID-19 related loan deferrals resuming payments.
  • The company relocated its corporate headquarters to a new facility in San Jose, CA.

Headline financials

Total Revenue

$36.8M

Previous: $33.2M+10.6%
EPS (adj)

$0.19

Previous: $0.26-26.9%
Efficiency Ratio

57.6%

Previous: 53.9%+6.9%
NPAs to Total Assets

0.2%

No prior period
NPLs to Total Loans

0.4%

No prior period
Capital Expenditures

-$2.87M

Previous: -$310K-827.1%
Free Cash Flow

$32.4M

Previous: $33M-1.9%
Net Income

$11.2M

Previous: $11.3M-0.7%
Operating Income

$29.8M

Previous: $26.6M+11.8%
Gross Profit

$36.8M

Previous: $33.2M+10.6%
Cash & Equivalents

$960M

Previous: $416M+131.0%
Total Assets

$4.61B

Previous: $3.18B+44.8%

Revenue & EPS history

Heritage Commerce · Revenue · Quarterly

$36.8M

Q3 2020+10.6%vs Q3 2019
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

The company believes it will be able to continue to successfully navigate through these uncertain times and emerge stronger from the current crisis.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2020

Historical avgQ3 2020

+0.9%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+1.3%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+12.7%

Q1 2023

Best reaction

-6.6%

Q3 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026
Q4 2025-3.8%-6.3%-0.7%
Q3 2025+0.3%-2.1%+3.6%
Q2 2025-3.1%-6.0%+2.0%
Q1 2025-0.5%+0.0%-1.5%
Q4 2024+3.8%+4.7%+14.3%
Q3 2024-2.1%+1.8%+12.4%
Q2 2024+4.1%+2.5%-2.0%
Q1 2024-4.3%-5.0%-2.5%
Q4 2023-5.0%-4.6%-14.4%
Q3 2023+3.4%+2.5%+7.1%
Q2 2023-1.9%-2.3%-12.2%
Q1 2023+12.7%-1.7%+2.1%
Q4 2022-4.9%-3.4%-2.2%
Q3 2022+8.4%+8.4%+10.2%
Q2 2022+1.1%-0.3%-0.6%
Q1 2022-1.2%-0.4%+0.1%
Q4 2021+1.2%+0.6%-2.1%
Q3 2021+4.2%+4.5%-3.1%
Q2 2021-1.4%-1.6%+2.4%
Q1 2021+2.8%+1.3%-0.5%
Q4 2020-3.5%-3.4%+4.5%
Q3 2020+8.4%-0.5%+17.0%
Q2 2020+4.3%-1.7%-2.7%
Q1 2020-0.3%+14.5%-2.8%
Q4 2019-4.0%-6.6%-6.1%
Q3 2019-2.1%+2.7%+6.0%
Q2 2019+0.6%+0.8%-8.0%
Q1 2019-5.1%-2.4%-4.6%
Q4 2018+6.5%+3.4%+12.6%
Q3 2018+6.4%+7.3%+3.9%
Q2 2018+1.4%-9.2%-5.3%
Q1 2018+0.6%+0.3%+1.6%
Q4 2017-1.1%-1.2%+1.5%
Q3 2017+4.2%+5.1%+4.4%
Q2 2017-1.5%+0.1%-3.1%
Q1 2017-3.3%-1.9%-8.5%
Q4 2016-0.1%-2.8%-0.3%
Q3 2016+1.8%+0.4%+15.6%
Q2 2016-1.5%-1.9%+11.8%
Q1 2016-1.4%
Q4 2015+2.4%
Q3 2015-6.6%
Q2 2015+1.5%
Q1 2015+0.7%
Q4 2014-0.5%
Q3 2014+0.5%
Q2 2014+0.6%
Q1 2014+0.9%
Q4 2013-2.8%
Q3 2013+0.5%
Q2 2013-0.7%
Q1 2013-1.3%
Q4 2012+2.0%
Q3 2012-1.7%
Q2 2012+1.8%
Q1 2011-2.7%
Q1 2012+5.0%
Q4 2009+2.8%
Q4 2011+2.8%
Q4 2010+2.8%
Q3 2011+8.0%
Q3 2010+8.0%
Q2 2010+3.2%
Q2 2011+3.2%
Q1 2010+1.0%

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