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Heritage Financial Corp (HFWA)
Price$26.95
Favorite Metrics
Price vs S&P 500 (26W)9.41%
Price vs S&P 500 (4W)3.72%
Market Capitalization$1.11B
P/E Ratio (Annual)16.45x
Indicated Dividend Yield (Annual)3.55%
All Metrics
P/CF (Annual)11.72x
Book Value / Share (Quarterly)$27.13
P/TBV (Annual)0.87x
Indicated Dividend (Annual)$0.96
Revenue Growth (3Y)1.45%
Cash Flow / Share (Quarterly)$2.52
Payout Ratio (TTM)48.35%
Price vs S&P 500 (YTD)11.86%
Net Profit Margin (TTM)29.71%
EPS (TTM)$1.96
10-Day Avg Trading Volume0.23M
EPS Excl Extra (TTM)$1.96
Revenue Growth (5Y)9.02%
EPS (Annual)$1.96
Dividend / Share (Annual)$0.96
ROI (Annual)7.15%
Net Profit Margin (5Y Avg)29.46%
Cash / Share (Quarterly)$1.76
P/E Basic Excl Extra (TTM)16.45x
Revenue Growth QoQ (YoY)20.22%
EPS Growth (5Y)8.77%
P/E Normalized (Annual)16.45x
ROA (Last FY)0.97%
Revenue Growth TTM (YoY)30.90%
EBITD / Share (TTM)$2.28
ROE (5Y Avg)8.26%
Operating Margin (TTM)35.86%
Cash Flow / Share (Annual)$2.52
P/B Ratio1.21x
P/B Ratio (Quarterly)0.87x
Net Income / Employee (Annual)$0
ROA (TTM)0.96%
EPS Growth QoQ (YoY)87.59%
EV / EBITDA (TTM)14.42x
EPS Incl Extra (Annual)$1.96
3-Month Avg Trading Volume0.28M
52-Week Price Return27.68%
EV / Free Cash Flow (Annual)13.23x
P/E Incl Extra (TTM)16.45x
Tangible BV / Share (Quarterly)$27.07
P/S Ratio (Annual)2.43x
52-Week High$28.98
Operating Margin (5Y Avg)35.51%
EPS Excl Extra (Annual)$1.96
CapEx CAGR (5Y)5.52%
Tangible BV CAGR (5Y)2.64%
26-Week Price Return13.40%
13-Week Price Return12.51%
Total Debt / Equity (Annual)0.02x
Enterprise Value$1,133.301
Revenue / Share Growth (5Y)3.68%
Book Value / Share Growth (5Y)3.49%
Revenue / Employee (Annual)$327,600
Pretax Margin (Annual)39.94%
Cash / Share (Annual)$2.12
3-Month Return Std Dev32.58%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)8.12%
EBITDA Interim CAGR (5Y)-1.93%
ROE (Last FY)7.33%
EPS Basic Excl Extra (Annual)$1.96
P/FCF (TTM)12.97x
EV / Free Cash Flow (TTM)13.23x
Total Debt / Equity (Quarterly)0.02x
EPS Incl Extra (TTM)$1.96
ROI (TTM)7.33%
Dividend Growth Rate (5Y)3.83%
P/S Ratio (TTM)2.30x
Pretax Margin (5Y Avg)35.51%
Revenue / Share (Annual)$7.02
Tangible BV / Share (Annual)$27.07
Forward P/E12.61x
Free OCF CAGR (5Y)6.23%
Price vs S&P 500 (52W)-2.15%
P/E Ratio (TTM)16.45x
EPS Growth TTM (YoY)57.79%
Year-to-Date Return14.50%
5-Day Price Return-2.80%
EPS Normalized (Annual)$1.96
ROA (5Y Avg)0.99%
Net Profit Margin (Annual)32.88%
Month-to-Date Return4.15%
EBITD / Share (Annual)$2.28
EPS Growth (3Y)-5.29%
Operating Margin (Annual)39.94%
LT Debt / Equity (Annual)0.02x
P/CF (TTM)11.72x
ROI (5Y Avg)7.83%
P/E Excl Extra (TTM)16.45x
LT Debt / Equity (Quarterly)0.02x
EPS Basic Excl Extra (TTM)$1.96
P/TBV (Quarterly)0.87x
Payout Ratio (Annual)48.35%
P/B Ratio (Annual)0.87x
Dividend / Share (TTM)$0.96
Pretax Margin (TTM)35.86%
Book Value / Share (Annual)$27.13
Price vs S&P 500 (13W)11.82%
Net Margin Growth (5Y)5.34%
Dividend Yield (TTM)2.94%
Beta0.52x
P/FCF (Annual)12.97x
Revenue / Share (TTM)$7.44
ROE (TTM)7.51%
52-Week Low$20.56
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.75
3.82
3.75
3.75
Industry Peers — Savings Institutions(23)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
HFWAHeritage Financial Corp | 0.87x | 7.51% | 0.96% | — | $26.95 |
FLGFlagstar Bank, National Association | 0.64x | -2.18% | -0.19% | — | $14.25 |
BBTBeacon Financial Corporation | 0.89x | 5.74% | 0.60% | — | $31.62 |
NBBKNB Bancorp, Inc. Common Stock | 0.98x | 6.55% | 0.88% | 1.51x | $22.25 |
SMBCSouthern Missouri Bancorp | 1.18x | 11.86% | 1.30% | — | $65.75 |
TCBXThird Coast Bancshares, Inc. Common Stock | 0.99x | 13.12% | 1.31% | — | $41.07 |
HBCPHome Bancorp, Inc. | 1.04x | 11.03% | 1.32% | — | $62.85 |
AVBCAvidia Bancorp, Inc. | 0.89x | -1.17% | -0.12% | 1.31x | $20.55 |
GCBCGreene County Bancorp Inc | 1.47x | 15.00% | 1.19% | — | $23.45 |
PBFSPioneer Bancorp, Inc. Common Stock | 1.04x | 6.42% | 0.95% | — | $14.10 |
NECBNortheast Community Bancorp, Inc. | 0.90x | 13.07% | 2.21% | — | $24.59 |
About
Heritage Financial Corp is a bank holding company focused on commercial lending and deposit relationships with small businesses and consumers across the United States. The company offers a range of deposit products including checking, savings, money market accounts, and CDs, while providing residential mortgages, construction loans, and consumer lending. Its operations span multiple U.S. regional markets.