营收情况 - Heritage Commerce (HTBK) 2024年第一季度营收为4214万美元，同比下降19% [1] - 营收低于Zacks Consensus Estimate的4383万美元，出现-3.86%的惊喜 [2] 每股收益 - 每股收益为0.17美元，较去年同期的0.31美元有所下降 [1] - 每股收益也低于预期，为0.19美元 [2] 关键指标 - Heritage Commerce在最近报告的季度中表现如下：净利差率为3.3%，低于三位分析师平均预期的3.4% [5] - 效率比率为65.3%，高于三位分析师平均预期的60.8% [5] 资产情况 - 不良贷款总额为787万美元，低于两位分析师平均预期的806万美元 [6] - 不良资产总额为787万美元，与两位分析师平均预期的806万美元相当 [7] 利息收入 - 利息收入资产平均余额为48.4亿美元，低于两位分析师平均预期的49.8亿美元 [8] - 净利息收入为4009万美元，低于三位分析师平均预期的4174万美元 [8] - 调整后的净利息收入为4015万美元，低于两位分析师平均预期的4174万美元 [9] 股票表现 - Heritage Commerce股票过去一个月的回报率为-2%，表现略好于Zacks S&P 500综合指数的-3% [10]

文章核心观点 - 公司本季度财报未达预期，股价年初至今表现不佳，未来走势取决于管理层财报电话会议评论和盈利预期变化，行业排名靠后也会影响公司表现 [1][2][3][5] 公司业绩情况 - 本季度每股收益0.17美元，未达Zacks共识预期的0.19美元，去年同期为0.31美元，本季度盈利意外为 - 10.53%，上一季度盈利意外为 - 8.33%，过去四个季度未超共识每股收益预期 [1][2] - 截至2024年3月季度营收4214万美元，未达Zacks共识预期3.86%，去年同期营收5202万美元，过去四个季度未超共识营收预期 [3] 公司股价表现 - 年初至今公司股价下跌约15.7%，而标准普尔500指数上涨6.3% [5] 公司盈利展望 - 盈利展望可帮助投资者判断股票走势，可关注近期盈利预期变化和Zacks排名，目前公司Zacks排名为3（持有），预计短期内股票表现与市场一致 [6][7][8] - 下一季度当前共识每股收益预期为0.20美元，营收4454万美元，本财年共识每股收益预期为0.81美元，营收1.8087亿美元 [9] 行业情况 - Zacks行业排名中，银行 - 西部行业目前处于250多个Zacks行业的后22%，研究显示排名前50%的行业表现比后50%的行业好两倍多 [10] 同行业公司情况 - 同行业的第一夏威夷银行尚未公布2024年3月季度财报，预计4月26日公布 [11] - 预计该公司本季度每股收益0.42美元，同比变化 - 19.2%，过去30天本季度共识每股收益预期上调0.8%，预计营收2.0241亿美元，同比下降6.4% [12]

Exhibit 99.1 Heritage Commerce Corp Earns $10.2 Million for the First Quarter of 2024 and Grows Client Deposits by 2% San Jose, CA — April 25, 2024 — Heritage Commerce Corp (Nasdaq: HTBK), (the "Company"), the holding company for Heritage Bank of Commerce (the "Bank"), today announced that its first quarter 2024 net income was $10.2 million, or $0.17 per average diluted common share, compared to $18.9 million, or $0.31 per average diluted common share, for the first quarter of 2023, and $13.3 million, or $0 ...

文章核心观点 公司董事会宣布向普通股股东发放每股0.13美元的常规季度现金股息 [1][2] 股息信息 - 股息金额为每股0.13美元 [1][2] - 股息将于2024年5月23日支付给在2024年5月9日营业结束时登记在册的股东 [1] - 公司自2013年起每季度支付现金股息 [1] 公司概况 - 公司成立于1997年10月，是一家银行控股公司，旗下的商业银行成立于1994年，总部位于加州圣何塞 [2] - 商业银行在多地设有全方位服务分行 [2] - 商业银行是美国中小企业管理局的首选贷款机构 [2] - 商业银行的子公司为美国各行业提供商业必需的营运资金保理融资 [2]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (MARK ONE) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California (State or Other Jurisdiction of Incorporation or Organization) For ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California 95110 (Zip ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California (State or Other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California (State or Other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (MARK ONE) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California (State or Other Juri ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-23877 Heritage Commerce Corp (Exact name of Registrant as Specified in its Charter) California (State or O ...