Heritage Commerce (HTBK) Interest Coverage Ratio (2010 - 2025)

Heritage Commerce has disclosed Interest Coverage Ratio across 13 years of filings, most recently posting 2.12 for Q3 2025.

• Interest Coverage Ratio for Q3 2025 came in at 2.12, up 27.05% year-over-year; the trailing twelve-month figure through Sep 2025 was 1.8 (changed 0.04% YoY), and the FY2024 annual result was 1.72, down 38.02% from the prior year.
• Interest Coverage Ratio came in at 2.12 for Q3 2025 at Heritage Commerce, up from 1.49 in the prior quarter.
• In the past five years, Interest Coverage Ratio ranged from a high of 13.5 in Q2 2022 to a low of 1.49 in Q2 2025.
• The 5-year median for Interest Coverage Ratio is 2.44 (2023), against an average of 5.66.
• Across the five-year window, Interest Coverage Ratio tumbled 81.42% in 2023 and climbed 27.05% in 2025, its largest moves.
• Heritage Commerce's Interest Coverage Ratio stood at 11.45 in 2021, then slipped by 16.71% to 9.54 in 2022, then tumbled by 77.85% to 2.11 in 2023, then retreated by 18.56% to 1.72 in 2024, then grew by 23.4% to 2.12 in 2025.
• The last three Interest Coverage Ratio figures came in at 2.12 (Q3 2025), 1.49 (Q2 2025), and 1.88 (Q1 2025), per Business Quant data.