Heritage Commerce (HTBK) FCF Payout Ratio (2011 - 2025)
Heritage Commerce recorded quarterly FCF Payout Ratio of 0.42 in Q3 2025, down 59.41% quarter-over-quarter from 1.04 in Q2 2025, and down 74.23% year-over-year from 1.64 in Q3 2024.
Heritage Commerce's FCF Payout Ratio history runs 15 years deep, the most recent figure standing at 0.42 for Q3 2025.
- In Q3 2025, FCF Payout Ratio fell 74.23% year-over-year to 0.42; the TTM figure through Sep 2025 stood at 0.56 (down 70.85% YoY), while the FY2024 annual figure was 0.85, up 91.73% from the prior year.
- FCF Payout Ratio came in at 0.42 for Q3 2025 at Heritage Commerce, down from 1.04 in the prior quarter.
- In the past five years, FCF Payout Ratio ranged from a high of 1.64 in Q3 2024 to a low of 1.58 in Q4 2023.
- A 5-year average of 0.53 and a median of 0.49 in 2023 frame the typical range for FCF Payout Ratio.
- Across the five-year window, FCF Payout Ratio slumped 641.0% in 2023 and surged 333.94% in 2024, its largest moves.
- Heritage Commerce's FCF Payout Ratio stood at 0.45 in 2021, then plunged by 35.24% to 0.29 in 2022, then plunged by 641.0% to 1.58 in 2023, then soared by 132.04% to 0.51 in 2024, then dropped by 16.86% to 0.42 in 2025.
- According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.42, 1.04, and 0.54 for Q3 2025, Q2 2025, and Q1 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | 5.86 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 0.18 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 0.19 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | - |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 0.36 |
| 10 | Heritage Commerce | 824.94 Mn | 77.20 Mn | - | 0.42 |
Historic Data
Download Data| Date | Value |
|---|---|
| Sep 30, 2025 | 0.42 |
| Jun 30, 2025 | 1.04 |
| Mar 31, 2025 | 0.54 |
| Dec 31, 2024 | 0.51 |
| Sep 30, 2024 | 1.64 |
| Jun 30, 2024 | 0.81 |
| Mar 31, 2024 | 1.15 |
| Dec 31, 2023 | -1.58 |
| Sep 30, 2023 | 0.49 |
| Jun 30, 2023 | 0.26 |
| Mar 31, 2023 | 0.27 |
| Dec 31, 2022 | 0.29 |
| Sep 30, 2022 | 0.49 |
| Jun 30, 2022 | 0.83 |
| Mar 31, 2022 | 0.47 |
| Dec 31, 2021 | 0.45 |
| Sep 30, 2021 | 0.43 |
| Jun 30, 2021 | 0.73 |
| Mar 31, 2021 | 0.76 |
| Dec 31, 2020 | 0.36 |
| Sep 30, 2020 | 0.95 |
| Jun 30, 2020 | 0.50 |
| Mar 31, 2020 | 0.89 |
| Dec 31, 2019 | 0.41 |
| Sep 30, 2019 | 0.33 |
| Jun 30, 2019 | 1.18 |
| Mar 31, 2019 | 0.40 |
| Dec 31, 2018 | 0.32 |
| Sep 30, 2018 | 0.28 |
| Jun 30, 2018 | 1.11 |
| Mar 31, 2018 | 0.34 |
| Dec 31, 2017 | 0.31 |
| Sep 30, 2017 | 0.32 |
| Jun 30, 2017 | 0.86 |
| Mar 31, 2017 | 0.31 |
| Dec 31, 2016 | 0.45 |
| Sep 30, 2016 | 1.13 |
| Jun 30, 2016 | 0.50 |
| Mar 31, 2016 | 0.43 |
| Dec 31, 2015 | 0.25 |
| Sep 30, 2015 | 0.31 |
| Jun 30, 2015 | 0.44 |
| Mar 31, 2015 | 2.10 |
| Dec 31, 2014 | 0.22 |
| Sep 30, 2014 | 0.75 |
| Jun 30, 2014 | 0.33 |
| Mar 31, 2014 | 0.25 |
| Dec 31, 2013 | 0.12 |
| Mar 31, 2012 | -0.30 |
| Dec 31, 2011 | 0.04 |