What is Heritage Comm Corp's earnings per share (EPS)?

Heritage Comm Corp (HTBK) reported diluted earnings per share of $0.78 for fiscal year 2025. This represents a 18.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Heritage Comm Corp Financials

HTBK

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Heritage Comm Corp (HTBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Heritage Comm Corp's revenue grew a modest 3.6% year-over-year to $3.7M. This slow but positive growth earns a score of 39/100.

Leverage

Heritage Comm Corp has elevated debt relative to equity (D/E of 7.14), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Heritage Comm Corp converts 1662.1% of revenue into free cash flow ($61.3M). This strong cash generation earns a score of 100/100.

Returns

Heritage Comm Corp generates a 6.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 5.9% the prior year.

Piotroski F-Score Neutral

6/9

Heritage Comm Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.29x

For every $1 of reported earnings, Heritage Comm Corp generates $1.29 in operating cash flow ($61.7M OCF vs $47.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.7M

YoY+3.6%

5Y CAGR+5.2%

10Y CAGR-26.4%

Heritage Comm Corp generated $3.7M in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.

EBITDA

N/A

Net Income

$47.8M

YoY+18.0%

5Y CAGR+6.3%

10Y CAGR+11.2%

Heritage Comm Corp reported $47.8M in net income in fiscal year 2025. This represents an increase of 18.0% from the prior year.

EPS (Diluted)

$0.78

YoY+18.2%

5Y CAGR+5.7%

10Y CAGR+5.0%

Heritage Comm Corp earned $0.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$61.3M

YoY+64.1%

5Y CAGR+2.5%

10Y CAGR+8.4%

Heritage Comm Corp generated $61.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 64.1% from the prior year.

Cash & Debt

$647.0M

YoY-33.2%

5Y CAGR-10.6%

10Y CAGR+6.5%

Heritage Comm Corp held $647.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.52

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+5.0%

Heritage Comm Corp paid $0.52 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

61M

YoY-0.1%

5Y CAGR+0.5%

10Y CAGR+6.7%

Heritage Comm Corp had 61M shares outstanding in fiscal year 2025. This represents a decrease of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1296.9%

YoY+158.8pp

5Y CAGR+62.2pp

10Y CAGR+1276.0pp

Heritage Comm Corp's net profit margin was 1296.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 158.8 percentage points from the prior year.

Return on Equity

6.8%

YoY+0.9pp

5Y CAGR+0.6pp

10Y CAGR+0.0pp

Heritage Comm Corp's ROE was 6.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$4.0M

Heritage Comm Corp spent $4.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$377K

YoY-76.8%

5Y CAGR-34.6%

10Y CAGR-9.4%

Heritage Comm Corp invested $377K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 76.8% from the prior year.

HTBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.7M+3.6%	$3.6M-18.0%	$4.3M-6.4%	$4.6M+86.5%	$2.5M-13.0%	$2.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$71.6M-9.4%	$79.1M+54.8%	$51.1M+470.8%	$8.9M+25.5%	$7.1M-16.9%	$8.6M
Income Tax	$20.0M+23.6%	$16.1M-37.8%	$26.0M-6.6%	$27.8M+53.1%	$18.2M+32.0%	$13.8M
Net Income	$47.8M+18.0%	$40.5M-37.1%	$64.4M-3.2%	$66.6M+39.5%	$47.7M+35.1%	$35.3M
EPS (Diluted)	$0.78+18.2%	$0.66-37.1%	$1.05-3.7%	$1.09+38.0%	$0.79+33.9%	$0.59

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$969K+7.9%	$898K-3.3%	$929K+4.1%	$892K+0.8%	$885K-2.5%	$908K+1.9%	$891K+1.6%	$877K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$16.6M-9.2%	$18.3M+0.5%	$18.2M-1.4%	$18.5M-9.7%	$20.4M-5.0%	$21.5M+9.7%	$19.6M+12.4%	$17.5M
Income Tax	$6.9M+16.8%	$5.9M+130.7%	$2.5M-45.9%	$4.7M+14.2%	$4.1M+4.4%	$3.9M+2.7%	$3.8M-9.8%	$4.3M
Net Income	$15.1M+2.9%	$14.7M+130.1%	$6.4M-45.0%	$11.6M+9.5%	$10.6M+1.1%	$10.5M+13.8%	$9.2M-9.2%	$10.2M
EPS (Diluted)	N/A	$0.24+140.0%	$0.10-47.4%	$0.19	N/A	$0.17+13.3%	$0.15-11.8%	$0.17

HTBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.8B+2.1%	$5.6B+8.7%	$5.2B+0.7%	$5.2B-6.2%	$5.5B+18.7%	$4.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$647.0M-33.2%	$968.1M+137.2%	$408.1M+33.1%	$306.6M-76.5%	$1.3B+15.5%	$1.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M
Total Liabilities	$5.1B+2.0%	$5.0B+9.6%	$4.5B-0.1%	$4.5B-7.7%	$4.9B+20.8%	$4.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$708.6M+2.7%	$689.7M+2.5%	$672.9M+6.4%	$632.5M+5.8%	$598.0M+3.5%	$577.9M
Retained Earnings	$203.7M+8.5%	$187.8M+4.8%	$179.1M+22.3%	$146.4M+31.5%	$111.3M+17.3%	$94.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.8B+2.5%	$5.6B+2.9%	$5.5B-0.9%	$5.5B-2.3%	$5.6B+1.7%	$5.6B+5.5%	$5.3B+0.1%	$5.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$647.0M-13.5%	$747.7M+3.6%	$721.8M-3.1%	$745.0M-23.0%	$968.1M+1.2%	$956.3M+47.5%	$648.3M+19.7%	$541.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M0.0%	$167.6M
Total Liabilities	$5.1B+2.7%	$4.9B+3.2%	$4.8B-0.9%	$4.8B-2.8%	$5.0B+1.8%	$4.9B+6.2%	$4.6B+0.1%	$4.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$708.6M+1.2%	$700.0M+0.8%	$694.7M-0.2%	$696.2M+0.9%	$689.7M+0.6%	$685.4M+0.9%	$679.2M+0.4%	$676.3M
Retained Earnings	$203.7M+3.6%	$196.5M+3.5%	$189.8M-0.8%	$191.4M+1.9%	$187.8M+1.4%	$185.1M+1.4%	$182.6M+0.7%	$181.3M

HTBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$61.7M+58.3%	$39.0M-46.6%	$73.0M+4.5%	$69.9M+22.9%	$56.8M-0.8%	$57.3M
Capital Expenditures	$377K-76.8%	$1.6M-2.8%	$1.7M+113.4%	$783K+210.7%	$252K-92.0%	$3.2M
Free Cash Flow	$61.3M+64.1%	$37.3M-47.6%	$71.3M+3.3%	$69.1M+22.0%	$56.6M+4.5%	$54.1M
Investing Cash Flow	-$431.5M-490.1%	$110.6M+57.6%	$70.2M+110.5%	-$669.5M+3.9%	-$696.8M-576.0%	$146.4M
Financing Cash Flow	$48.7M-88.1%	$410.4M+1085.0%	-$41.7M+89.6%	-$400.0M-149.1%	$815.1M+73.4%	$470.0M
Dividends Paid	$31.9M+0.2%	$31.9M+0.4%	$31.7M+0.8%	$31.5M+0.7%	$31.3M+0.6%	$31.1M
Share Buybacks	$4.0M	$0	$0	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$20.0M+5.9%	$18.9M+135.7%	$8.0M-46.0%	$14.8M-6.2%	$15.8M+198.2%	$5.3M-49.5%	$10.5M+43.2%	$7.3M
Capital Expenditures	$119K+525.0%	-$28K	N/A	N/A	$106K-75.7%	$436K-33.2%	$653K+52.2%	$429K
Free Cash Flow	$19.9M+5.4%	$18.8M	N/A	N/A	$15.7M+222.7%	$4.9M-50.6%	$9.9M+42.7%	$6.9M
Investing Cash Flow	-$239.7M-81.3%	-$132.2M-482.6%	$34.6M+136.7%	-$94.1M-8.5%	-$86.7M-436.8%	$25.8M-75.3%	$104.4M+55.2%	$67.3M
Financing Cash Flow	$119.0M-14.5%	$139.3M+311.6%	-$65.8M+54.2%	-$143.8M-273.8%	$82.7M-70.1%	$277.0M+3579.3%	-$8.0M-113.6%	$58.6M
Dividends Paid	$8.0M0.0%	$8.0M-0.4%	$8.0M+0.1%	$8.0M+0.2%	$8.0M0.0%	$8.0M0.0%	$8.0M+0.2%	$8.0M
Share Buybacks	$0-100.0%	$2.1M	N/A	N/A	$0	$0	N/A	N/A

HTBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1296.9%+158.8pp	1138.1%-346.4pp	1484.5%+50.1pp	1434.4%-482.8pp	1917.2%+682.5pp	1234.7%
Return on Equity	6.8%+0.9pp	5.9%-3.7pp	9.6%-0.9pp	10.5%+2.5pp	8.0%+1.9pp	6.1%
Return on Assets	0.8%+0.1pp	0.7%-0.5pp	1.2%-0.1pp	1.3%+0.4pp	0.9%+0.1pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.14-0.0	7.18+0.5	6.72-0.4	7.15-1.0	8.20+1.2	7.02
FCF Margin	1662.1%+613.3pp	1048.8%-594.6pp	1643.4%+154.8pp	1488.6%-786.2pp	2274.8%+381.3pp	1893.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1560.1%-76.7pp	1636.8%+949.0pp	687.7%-615.6pp	1303.4%+103.3pp	1200.1%+42.9pp	1157.2%+120.8pp	1036.4%-122.8pp	1159.2%
Return on Equity	2.1%+0.0pp	2.1%+1.2pp	0.9%-0.8pp	1.7%+0.1pp	1.5%+0.0pp	1.5%+0.2pp	1.4%-0.1pp	1.5%
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.1%-0.1pp	0.2%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.14+0.1	7.03+0.2	6.87-0.1	6.92-0.3	7.18+0.1	7.10+0.4	6.75-0.0	6.77
FCF Margin	2048.8%-49.1pp	2097.9%	N/A	N/A	1775.5%+1239.2pp	536.2%-569.9pp	1106.2%+318.4pp	787.8%

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Frequently Asked Questions

What is Heritage Comm Corp's annual revenue?

Heritage Comm Corp (HTBK) reported $3.7M in total revenue for fiscal year 2025. This represents a 3.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Heritage Comm Corp's revenue growing?

Heritage Comm Corp (HTBK) revenue grew by 3.6% year-over-year, from $3.6M to $3.7M in fiscal year 2025.

Is Heritage Comm Corp profitable?

Yes, Heritage Comm Corp (HTBK) reported a net income of $47.8M in fiscal year 2025, with a net profit margin of 1296.9%.

What is Heritage Comm Corp's net profit margin?

Heritage Comm Corp (HTBK) had a net profit margin of 1296.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Heritage Comm Corp pay dividends?

Yes, Heritage Comm Corp (HTBK) paid $0.52 per share in dividends during fiscal year 2025.

What is Heritage Comm Corp's return on equity (ROE)?

Heritage Comm Corp (HTBK) has a return on equity of 6.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Heritage Comm Corp's free cash flow?

Heritage Comm Corp (HTBK) generated $61.3M in free cash flow during fiscal year 2025. This represents a 64.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Heritage Comm Corp's operating cash flow?

Heritage Comm Corp (HTBK) generated $61.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Heritage Comm Corp's total assets?

Heritage Comm Corp (HTBK) had $5.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Heritage Comm Corp's capital expenditures?

Heritage Comm Corp (HTBK) invested $377K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Heritage Comm Corp buy back shares?

Yes, Heritage Comm Corp (HTBK) spent $4.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Heritage Comm Corp have outstanding?

Heritage Comm Corp (HTBK) had 61M shares outstanding as of fiscal year 2025.

What is Heritage Comm Corp's debt-to-equity ratio?

Heritage Comm Corp (HTBK) had a debt-to-equity ratio of 7.14 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Heritage Comm Corp's return on assets (ROA)?

Heritage Comm Corp (HTBK) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Heritage Comm Corp's Piotroski F-Score?

Heritage Comm Corp (HTBK) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Heritage Comm Corp's earnings high quality?

Heritage Comm Corp (HTBK) has an earnings quality ratio of 1.29x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Heritage Comm Corp?

Heritage Comm Corp (HTBK) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.