Is Heritage Commerce Corp (HTBK) halal to invest in?

As of يونيو 2026, based on AAOIFI Shariah screening standards, Heritage Commerce Corp (HTBK) is currently rated as "Not Halal" with a compliance grade of F (Non-Compliant). The screening examines business activities (qualitative) and three financial ratios: debt-to-market-cap (4.8%), interest-bearing deposits to market cap (74.2%), and prohibited income (96.6%). Thresholds are 30%, 30%, and 5% respectively. Screen HTBK and 10,000+ stocks free at HalalScreener.app.

What is Heritage Commerce Corp's Shariah compliance score?

Heritage Commerce Corp's (HTBK) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Heritage Commerce Corp pass AAOIFI screening?

Heritage Commerce Corp (HTBK) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (HTBK: 4.8%), (3) interest-bearing deposits below 30% (HTBK: 74.2%), and (4) prohibited income below 5% (HTBK: 96.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Heritage Commerce Corp stock?

Heritage Commerce Corp (HTBK) has a non-permissible income ratio of 96.57%. Muslim investors should purify this percentage of any dividends received and capital gains realized from HTBK shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Heritage Commerce Corp for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Heritage Commerce Corp (HTBK) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about HTBK's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Heritage Commerce Corp (HTBK) halal? Not Halal. Based on AAOIFI screening, Heritage Commerce Corp has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

HTBK: Is Heritage Commerce Corp Halal?

Not Halal

Heritage Commerce Corp

NASDAQFinancial ServicesUS

$13.45

+3.07%

تجنّبعلى الحدّنظيف

About Heritage Commerce Corp

Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. Its deposit products for business banking and retail markets include interest and non-interest bearing demand, savings, and money market accounts, as well as certificates of deposit and time deposits. The company's loan portfolio comprises commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; small business administration loans; home equity lines of credit; multifamily loans on residential properties; residential mortgage loans; and consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes. In addition, it offers other banking services, including cashier's checks, bank by mail, night depositories, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, online bill pay, homeowner association, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services, as well as other customary banking, factoring financing, and electronic banking services. The company operates through 17 full-service branch offices located in the general San Francisco Bay Area of California. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

معيار أيوفي 21تحديث ١٧ يونيو ٢٠٢٦

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap4.8% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 17, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

828.4M

Price

$13.45

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$388.60

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SLVA+

iShares Silver Trust

$60.61

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ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

IPCXA+

Inflection Point Acquisition Corp. III

$10.31

+0.00%

AXINA+

Axiom Intelligence Acquisition Corp 1

$10.42

+0.29%

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Free · No credit card required

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الأسئلة الشائعة

هل Heritage Commerce Corp (HTBK) حلال للاستثمار؟

Heritage Commerce Corp (HTBK) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

لماذا حصل Heritage Commerce Corp على تقييم توافق F؟

Heritage Commerce Corp (HTBK) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 4.8% (limit 30%); interest-bearing deposits of 74.2% (limit 30%); prohibited income of 96.57% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

ما الذي قد يغير حكم Heritage Commerce Corp الشرعي؟

Heritage Commerce Corp's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

كم مرة يُعاد فحص Heritage Commerce Corp للتوافق الشرعي؟

Heritage Commerce Corp (HTBK) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 17, 2026.

مفحوص وفق معيار أيوفي رقم 21 · لأغراض إعلامية فقط. استشر مستشاراً مالياً إسلامياً مؤهلاً قبل الاستثمار.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.