For the quarter ended March 2025, Heritage Commerce (HTBK) reported revenue of $46.06 million, up 9.3% over the same period last year. EPS came in at $0.19, compared to $0.17 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $46.2 million, representing a surprise of -0.31%. The company delivered an EPS surprise of +5.56%, with the consensus EPS estimate being $0.18.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Heritage Commerce performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 64% versus 64.3% estimated by three analysts on average.
• Net Interest Margin: 3.4% versus 3.4% estimated by three analysts on average.
• Total Non-Performing - Loan: $6.31 million versus $8.39 million estimated by two analysts on average.
• Average Balances-Interest earning assets: $5.19 billion compared to the $5.34 billion average estimate based on two analysts.
• Total Non-Performing - Assets: $6.31 million compared to the $8.39 million average estimate based on two analysts.
• Net Interest Income: $43.36 million compared to the $43.93 million average estimate based on three analysts.
• Total Non Interest Income: $2.70 million versus $2.27 million estimated by three analysts on average.
• Gain on sale of SBA loans: $0.10 million compared to the $0.14 million average estimate based on two analysts.
• Net Interest Income (FTE): $43.42 million versus the two-analyst average estimate of $44.02 million.

View all Key Company Metrics for Heritage Commerce here>>>

Shares of Heritage Commerce have returned -6% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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