$12.73
▲ +$0.10
(+0.79%)
Vol 626K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$734.6M
P/E
17.0
ROE
6.2%
Margin
35.5%
D/E
5.68
Beta
0.80
Div Yield
4.33%
52W
$8–$13
Wall Street Consensus
12 analysts · Apr 20262
Strong Buy
6
Buy
4
Hold
0
Sell
0
Strong Sell
66.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.25 | $0.25 | $0.00 |
| Sep 2025 | $0.21 | $0.24 | +$0.03 |
| Jun 2025 | $0.19 | $0.21 | +$0.02 |
| Mar 2025 | $0.18 | $0.19 | +$0.01 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $48.9M | $45.2M | $46.8M | $48.9M | $56.6M |
| Net Income | $10.6M | $11.6M | $6.4M | $14.7M | $15.1M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 5.7% | 5.7% | 5.7% | 6.2% | 6.2% | 6.2% |
| P/E (TTM) | 15.63 | 15.46 | 15.53 | 14.75 | 15.73 | 16.95 |
| Net Margin | — | 35.5% | 35.5% | 35.5% | 35.5% | 35.5% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 5.72 | 5.72 | 5.72 | 5.68 | 5.68 | 5.68 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
2.58
P/B
0.8
EPS (TTM)
$0.70
CF/Share
$1.23
Rev Growth 3Y
+9.8%
52W High
$12.89
52W Low
$8.09
$8.09
52-Week Range
$12.89
Financial Health
Free Cash Flow
$19.9M
Net Debt
-$607.2M
Cash
$647.0M
Total Debt
$39.8M
As of Dec 31, 2025
How does HTBK compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
HTBK valuation vs Banking peers
P/E ratio
17.0
▲
35%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.6
▲
11%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
0.8
▼
21%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
4.3%
▲
45%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
HTBK profitability vs Banking peers
ROE
6.2%
▼
31%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
35.5%
▲
24%
above
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼
18%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
HTBK financial health vs Banking peers
D/E ratio
5.7
▼
59%
below
peers
(13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.8
▲
16%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
HTBK fundamentals radar
HTBK
Peer median
Industry
HTBK profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
HTBK vs peers: key metrics
Dividends
$0.52
/ year
Mar 25, 2026
$0.1300
Feb 05, 2026
$0.1300
Nov 06, 2025
$0.1300
Aug 07, 2025
$0.1300
May 08, 2025
$0.1300
Feb 06, 2025
$0.1300
Nov 07, 2024
$0.1300
Aug 08, 2024
$0.1300
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