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Side-by-side financial comparison of HERITAGE COMMERCE CORP (HTBK) and Scienjoy Holding Corp (SJ). Click either name above to swap in a different company.

Scienjoy Holding Corp is the larger business by last-quarter revenue ($91.6M vs $53.6M, roughly 1.7× HERITAGE COMMERCE CORP). HERITAGE COMMERCE CORP produced more free cash flow last quarter ($61.3M vs $7.1M).

The United States Chamber of Commerce (USCC) is a business association advocacy group and is the largest lobbying group in the United States. The group was founded in April 23, 1912, out of local chambers of commerce at the urging of President William Howard Taft and his secretary of commerce and labor Charles Nagel. President Taft's belief was that the "government needed to deal with a group that could speak with authority for the interests of business."

Scienjoy Holding Corp is a China-based digital entertainment company that principally operates interactive live streaming platforms. It provides diverse content including talent performances, music shows, and lifestyle broadcasts, serving mass consumer audiences of varying age groups across the domestic market, with core business centered on mobile internet entertainment services.

HTBK vs SJ — Head-to-Head

Bigger by revenue
SJ
SJ
1.7× larger
SJ
$91.6M
$53.6M
HTBK
More free cash flow
HTBK
HTBK
$54.2M more FCF
HTBK
$61.3M
$7.1M
SJ

Income Statement — Q4 FY2025 vs Q2 FY2025

Metric
HTBK
HTBK
SJ
SJ
Revenue
$53.6M
$91.6M
Net Profit
$15.1M
Gross Margin
Operating Margin
41.0%
Net Margin
28.2%
Revenue YoY
15.6%
Net Profit YoY
42.3%
EPS (diluted)
$0.25

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
HTBK
HTBK
SJ
SJ
Q4 25
$53.6M
Q3 25
$50.0M
Q2 25
$47.8M
$91.6M
Q1 25
$46.1M
Q4 24
$46.4M
Q3 24
$42.2M
Q2 24
$41.7M
Q1 24
$42.1M
Net Profit
HTBK
HTBK
SJ
SJ
Q4 25
$15.1M
Q3 25
$14.7M
Q2 25
$6.4M
Q1 25
$11.6M
Q4 24
$10.6M
Q3 24
$10.5M
Q2 24
$9.2M
Q1 24
$10.2M
Operating Margin
HTBK
HTBK
SJ
SJ
Q4 25
41.0%
Q3 25
41.1%
Q2 25
18.7%
Q1 25
35.4%
Q4 24
31.8%
Q3 24
34.3%
Q2 24
31.3%
Q1 24
34.2%
Net Margin
HTBK
HTBK
SJ
SJ
Q4 25
28.2%
Q3 25
29.4%
Q2 25
13.4%
Q1 25
25.2%
Q4 24
22.9%
Q3 24
24.9%
Q2 24
22.1%
Q1 24
24.1%
EPS (diluted)
HTBK
HTBK
SJ
SJ
Q4 25
$0.25
Q3 25
$0.24
Q2 25
$0.10
Q1 25
$0.19
Q4 24
$0.17
Q3 24
$0.17
Q2 24
$0.15
Q1 24
$0.17

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
HTBK
HTBK
SJ
SJ
Cash + ST InvestmentsLiquidity on hand
$913.0K
Total DebtLower is stronger
Stockholders' EquityBook value
$708.6M
$170.2M
Total Assets
$5.8B
$199.9M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
HTBK
HTBK
SJ
SJ
Q4 25
Q3 25
Q2 25
$913.0K
Q1 25
Q4 24
Q3 24
Q2 24
Q1 24
Stockholders' Equity
HTBK
HTBK
SJ
SJ
Q4 25
$708.6M
Q3 25
$700.0M
Q2 25
$694.7M
$170.2M
Q1 25
$696.2M
Q4 24
$689.7M
Q3 24
$685.4M
Q2 24
$679.2M
Q1 24
$676.3M
Total Assets
HTBK
HTBK
SJ
SJ
Q4 25
$5.8B
Q3 25
$5.6B
Q2 25
$5.5B
$199.9M
Q1 25
$5.5B
Q4 24
$5.6B
Q3 24
$5.6B
Q2 24
$5.3B
Q1 24
$5.3B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
HTBK
HTBK
SJ
SJ
Operating Cash FlowLast quarter
$61.7M
$7.1M
Free Cash FlowOCF − Capex
$61.3M
$7.1M
FCF MarginFCF / Revenue
114.3%
7.7%
Capex IntensityCapex / Revenue
0.7%
0.0%
Cash ConversionOCF / Net Profit
4.08×
TTM Free Cash FlowTrailing 4 quarters

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
HTBK
HTBK
SJ
SJ
Q4 25
$61.7M
Q3 25
$18.9M
Q2 25
$8.0M
$7.1M
Q1 25
$14.8M
Q4 24
$39.0M
Q3 24
$5.3M
Q2 24
$10.5M
Q1 24
$7.3M
Free Cash Flow
HTBK
HTBK
SJ
SJ
Q4 25
$61.3M
Q3 25
$18.8M
Q2 25
$7.1M
Q1 25
Q4 24
$37.3M
Q3 24
$4.9M
Q2 24
$9.9M
Q1 24
$6.9M
FCF Margin
HTBK
HTBK
SJ
SJ
Q4 25
114.3%
Q3 25
37.7%
Q2 25
7.7%
Q1 25
Q4 24
80.5%
Q3 24
11.6%
Q2 24
23.6%
Q1 24
16.4%
Capex Intensity
HTBK
HTBK
SJ
SJ
Q4 25
0.7%
Q3 25
0.1%
Q2 25
0.0%
Q1 25
Q4 24
3.5%
Q3 24
1.0%
Q2 24
1.6%
Q1 24
1.0%
Cash Conversion
HTBK
HTBK
SJ
SJ
Q4 25
4.08×
Q3 25
1.28×
Q2 25
1.25×
Q1 25
1.28×
Q4 24
3.67×
Q3 24
0.50×
Q2 24
1.14×
Q1 24
0.72×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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