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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioInterest Coverage RatioInvested CapitalMarket CapitalizationNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Heritage Commerce (HTBK) Interest Coverage Ratio: 2017-2025

Historic Interest Coverage Ratio for Heritage Commerce (HTBK) over the last 8 years, with Sep 2025 value amounting to 2.12.

  • Heritage Commerce's Interest Coverage Ratio rose 27.05% to 2.12 in Q3 2025 from the same period last year, while for Sep 2025 it was 1.80, marking a year-over-year decrease of 0.04%. This contributed to the annual value of 1.72 for FY2024, which is 38.02% down from last year.
  • As of Q3 2025, Heritage Commerce's Interest Coverage Ratio stood at 2.12, which was up 42.49% from 1.49 recorded in Q2 2025.
  • In the past 5 years, Heritage Commerce's Interest Coverage Ratio registered a high of 13.50 during Q2 2022, and its lowest value of 1.49 during Q2 2025.
  • In the last 3 years, Heritage Commerce's Interest Coverage Ratio had a median value of 1.88 in 2025 and averaged 2.24.
  • Per our database at Business Quant, Heritage Commerce's Interest Coverage Ratio surged by 45.32% in 2021 and then tumbled by 81.42% in 2023.
  • Quarterly analysis of 5 years shows Heritage Commerce's Interest Coverage Ratio stood at 11.45 in 2021, then declined by 16.71% to 9.54 in 2022, then plummeted by 77.85% to 2.11 in 2023, then dropped by 18.56% to 1.72 in 2024, then increased by 27.05% to 2.12 in 2025.
  • Its Interest Coverage Ratio was 2.12 in Q3 2025, compared to 1.49 in Q2 2025 and 1.88 in Q1 2025.