Heritage Financial (HFWA)
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Heritage Financial Corp is a regional bank holding company based in the Pacific Northwest. Through its primary subsidiary, Heritage Bank, the company serves individuals, small businesses, professional firms, nonprofit organizations, and commercial borrowers across its local markets. Its business model is centered on relationship banking: gathering deposits from local customers and using that funding base to make loans in the communities it serves.
The company offers a broad range of deposit products, including checking accounts, savings accounts, money market accounts, certificates of deposit, and business treasury management services. On the lending side, Heritage Financial provides commercial and industrial loans, owner-occupied and investor commercial real estate loans, construction and land development financing, residential mortgage products, and consumer loans. This mix gives the bank exposure to both business activity and household financial demand in its regional footprint.
As a community-focused financial institution, Heritage Financial competes on local market knowledge, personal service, and long-term borrower relationships rather than the national scale of larger banks. Its performance is influenced by loan growth, credit quality, deposit costs, interest rate trends, and economic conditions in the Western United States. For investors, HFWA represents a traditional banking franchise with diversified lending categories, a locally sourced deposit base, and sensitivity to the broader interest rate and credit cycle.
Last updated
- Market Cap
- 1.13B
- P/E
- 15.57
- P/FCF
- 14.08
- P/S
- 3.19
- Enterprise Value
- 1.07B
- Sector
- Financials
- Industry
- Savings Institutions, Not Federally Chartered
- Address
- 201 FIFTH AVENUE S.W., OLYMPIA, WA, 98501
Halper Sadeh LLC Encourages HFWA, BRNS, FITB Shareholders to Contact the Firm to Discuss Their Rights
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Halper Sadeh LLC Encourages HFWA, FITB, AVDL, BRNS Shareholders to Contact the Firm to Discuss Their Rights
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 1.13B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 1.07B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 15.57
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.01
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 3.19
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 12.66
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 3.03
- EPS
- 1.76
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.89%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 14.08
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 12.62
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 80.29M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 6.5%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.85%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.04
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 97.18
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 97.18
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 4.91
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 260.46K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 27.42
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 99.37M | 86.85M | 87.83M | 80.02M | 81.27M |
| Gross profit | 77.92M | 66.35M | 65.7M | 56.5M | 57.59M |
| Operating income | 22.4M | 25.68M | 22.31M | 14.46M | 16.16M |
| EBITDA | 22.4M | 25.68M | 22.31M | 14.46M | 16.16M |
| Net income | 18.95M | 22.24M | 19.17M | 12.22M | 13.91M |
| Basic EPS | 0.49 | 0.66 | 0.56 | 0.36 | 0.41 |
| Diluted EPS | 0.48 | 0.65 | 0.55 | 0.36 | 0.4 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 8.5B | 6.97B | 7.01B | 7.07B | 7.13B |
| Total liabilities | 7.38B | 6.05B | 6.11B | 6.18B | 6.25B |
| Total equity | 1.12B | 921.5M | 904.06M | 888.21M | 881.52M |
| Cash & equivalents | 98.26M | 52.59M | 74.03M | 90.75M | 89.07M |
| Current assets | 1.94B | 1.52B | 1.57B | 1.62B | 1.68B |
| Current liabilities | 20M | 20M | 138M | 263.2M | 264.4M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 13.97M | 27.99M | 25.07M | 22.51M | 19.25M |
| Investing cash flow | 90.85M | 23.07M | 26.65M | 57.85M | 79.18M |
| Financing cash flow | -69.77M | -63.46M | -60.32M | -74.93M | 33.13M |
| Change in cash | 35.05M | -12.4M | -8.61M | 5.44M | 131.56M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | SCHEDULE 13G/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 8-K — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 10-Q — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | SCHEDULE 13G/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| form 4 | Form 4 — Ellwanger Kimberly T | View Filing | |
| form 4 | Form 4 — Ellwanger Kimberly T | View Filing | |
| form 4 | Form 4 — Rivera Frederick B | View Filing | |
| form 4 | Form 4 — Rivera Frederick B | View Filing | |
| form 4 | Form 4 — Saunders Karen R | View Filing | |
| form 4 | Form 4 — Saunders Karen R | View Filing | |
| form 4 | Form 4 — VANCE BRIAN L | View Filing | |
| form 4 | Form 4 — VANCE BRIAN L | View Filing | |
| form 4 | Form 4 — Giacobbe Gail B. | View Filing | |
| form 4 | Form 4 — Giacobbe Gail B. | View Filing | |
| form 4 | Form 4 — CHARNESKI BRIAN | View Filing | |
| form 4 | Form 4 — CHARNESKI BRIAN | View Filing | |
| form 4 | Form 4 — Watson Ann | View Filing | |
| form 4 | Form 4 — Watson Ann | View Filing | |
| form 4 | Form 4 — LYON JEFFREY S | View Filing | |
| form 4 | Form 4 — LYON JEFFREY S | View Filing | |
| form 4 | Form 4 — Dryer Trevor D. | View Filing | |
| form 4 | Form 4 — Dryer Trevor D. | View Filing | |
| form 4 | Form 4 — Robison Sabrina C | View Filing | |
| form 4 | Form 4 — Robison Sabrina C | View Filing | |
| edgar index | SCHEDULE 13G/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 8-K — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | SCHEDULE 13G/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | SCHEDULE 13G/A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 8-K — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | DEFA14A — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | ARS — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| edgar index | 4 — HERITAGE FINANCIAL CORP /WA/ | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Chalfant Tony | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Curran Amy E. | View Filing | |
| form 4 | Form 4 — Glasby William | View Filing | |
| form 4 | Form 4 — Glasby William | View Filing | |
| form 4 | Form 4 — Glasby William | View Filing | |
| form 4 | Form 4 — Glasby William | View Filing |