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HFWA

Heritage Financial Corporation

Financial Services · USD

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Price alert · HFWA

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28.47 USD -0.44 -1.52%
As of Oct 30, 2026 Extended hours 28.47 0.00%
Bid
28.48 × 2
Ask
28.49 × 2
28.43 Day range 29.37
21.47 52-week range 31.25
YTD
+20.38%
1 year
+26.82%
Open
29.16
Prev close
28.91
Mkt cap
1.16B
Vol
315.26K
Avg vol
358.57K
EPS
2.01
P/E
14.16
Div yield
3.46%
More statistics
Low
28.43
High
29.37
Forward P/E
10.87
Beta
0.50
Short ratio
8.77
Inst. own
83.53%
Dividend
1.00
Ex-div date
Nov 3, 2026
Earnings
Jan 28, 2027
50-d avg
28.26
200-d avg
27.78
1y target
32.60

5D chart

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Interval
1m5m15m30m
HFWA five-day price chart28.628.829.129.329.5Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

-0.54 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 11.9×
FY 2016: 19.8×FY 2017: 23.9×FY 2018: 19.9×FY 2019: 15.4×FY 2020: 18.1×FY 2021: 8.9×FY 2022: 13.2×FY 2023: 12.2×FY 2024: 19.4×FY 2025: 11.9×
FY 2016 5y median 12.2× FY 2025
P/S 2.4×
FY 2016: 4.5×FY 2017: 5.0×FY 2018: 4.5×FY 2019: 4.2×FY 2020: 3.3×FY 2021: 3.5×FY 2022: 4.2×FY 2023: 2.5×FY 2024: 2.7×FY 2025: 2.4×
FY 2016 5y median 2.7× FY 2025
P/B 0.9×
FY 2016: 1.6×FY 2017: 1.8×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 1.3×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 9.4×
FY 2016: 16.2×FY 2017: 13.0×FY 2018: 15.6×FY 2019: 13.1×FY 2020: 13.3×FY 2021: 13.1×FY 2022: 11.9×FY 2023: 7.6×FY 2024: 13.8×FY 2025: 9.4×
FY 2016 5y median 11.9× FY 2025
EV/EBITDA 9.9×
FY 2016: 11.7×FY 2017: 13.3×FY 2018: 10.9×FY 2019: 8.6×FY 2020: 2.9×FY 2021: -7.6×FY 2022: 10.1×FY 2023: 13.4×FY 2024: 20.4×FY 2025: 9.9×
FY 2016 5y median 10.1× FY 2025
EV/Sales 2.4×
FY 2016: 4.6×FY 2017: 5.2×FY 2018: 4.1×FY 2019: 3.4×FY 2020: 0.6×FY 2021: -3.1×FY 2022: 4.0×FY 2023: 3.5×FY 2024: 3.6×FY 2025: 2.4×
FY 2016 5y median 3.5× FY 2025
FCF Yield 10.7%
FY 2016: 6.2%FY 2017: 7.7%FY 2018: 6.4%FY 2019: 7.6%FY 2020: 7.5%FY 2021: 7.6%FY 2022: 8.4%FY 2023: 13.1%FY 2024: 7.2%FY 2025: 10.7%
FY 2016 5y median 8.4% FY 2025

Profitability

Gross Margin 72.4%
FY 2016: 93.6%FY 2017: 93.1%FY 2018: 92.4%FY 2019: 91.0%FY 2020: 80.4%FY 2021: 109.0%FY 2022: 97.4%FY 2023: 79.0%FY 2024: 66.4%FY 2025: 72.4%
FY 2016 5y median 79.0% FY 2025
Operating Margin 23.2%
FY 2016: 31.0%FY 2017: 32.8%FY 2018: 27.8%FY 2019: 32.4%FY 2020: 21.1%FY 2021: 48.7%FY 2022: 38.7%FY 2023: 24.1%FY 2024: 16.5%FY 2025: 23.2%
FY 2016 5y median 24.1% FY 2025
Net Margin 20.1%
FY 2016: 22.9%FY 2017: 22.8%FY 2018: 23.0%FY 2019: 27.0%FY 2020: 18.5%FY 2021: 39.6%FY 2022: 31.9%FY 2023: 20.4%FY 2024: 13.6%FY 2025: 20.1%
FY 2016 5y median 20.4% FY 2025
ROE 7.3%
FY 2016: 8.1%FY 2017: 8.2%FY 2018: 7.0%FY 2019: 8.3%FY 2020: 5.7%FY 2021: 11.5%FY 2022: 10.3%FY 2023: 7.2%FY 2024: 5.0%FY 2025: 7.3%
FY 2016 5y median 7.3% FY 2025
ROIC 5.7%
FY 2016: 6.5%FY 2017: 6.4%FY 2018: 6.5%FY 2019: 7.9%FY 2020: 5.3%FY 2021: 10.6%FY 2022: 9.5%FY 2023: 3.9%FY 2024: 3.0%FY 2025: 5.7%
FY 2016 5y median 5.7% FY 2025
ROA 1.0%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 1.2%FY 2020: 0.7%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 5.9%
FY 2016: 1.3%FY 2017: 7.7%FY 2018: 26.0%FY 2019: 8.3%FY 2020: 0.5%FY 2021: -1.6%FY 2022: 3.9%FY 2023: 17.9%FY 2024: 4.6%FY 2025: 5.9%
FY 2016 FY 2025
Operating Income 48.9%
FY 2016: 2.8%FY 2017: 14.1%FY 2018: 6.9%FY 2019: 26.1%FY 2020: -34.4%FY 2021: 126.6%FY 2022: -17.5%FY 2023: -26.7%FY 2024: -28.3%FY 2025: 48.9%
FY 2016 FY 2025
EPS (diluted) 58.1%
FY 2016: 4.0%FY 2017: -0.8%FY 2018: 16.3%FY 2019: 22.0%FY 2020: -29.5%FY 2021: 111.6%FY 2022: -15.4%FY 2023: -24.2%FY 2024: -29.1%FY 2025: 58.1%
FY 2016 FY 2025
Free Cash Flow 40.4%
FY 2016: -4.7%FY 2017: 49.1%FY 2018: -4.7%FY 2019: 18.3%FY 2020: -20.3%FY 2021: 5.0%FY 2022: 36.0%FY 2023: 9.6%FY 2024: -38.5%FY 2025: 40.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: 0.3×FY 2017: 0.6×FY 2018: -1.3×FY 2019: -1.9×FY 2020: -12.9×FY 2021: -16.2×FY 2022: -0.3×FY 2023: 3.8×FY 2024: 5.2×FY 2025: -0.1×
FY 2016 5y median -0.1× FY 2025
Interest Coverage 0.9×
FY 2016: 8.8×FY 2017: 7.2×FY 2018: 5.2×FY 2019: 4.5×FY 2020: 4.0×FY 2021: 17.1×FY 2022: 12.3×FY 2023: 1.2×FY 2024: 0.5×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 2.8%FY 2017: 2.0%FY 2018: 2.5%FY 2019: 3.0%FY 2020: 3.4%FY 2021: 3.3%FY 2022: 2.7%FY 2023: 4.1%FY 2024: 3.8%FY 2025: 4.1%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 48.3%
FY 2016: 55.4%FY 2017: 43.8%FY 2018: 48.6%FY 2019: 45.8%FY 2020: 62.0%FY 2021: 29.5%FY 2022: 36.0%FY 2023: 49.9%FY 2024: 73.5%FY 2025: 48.3%
FY 2016 5y median 48.3% FY 2025

Annual · latest fiscal year ends 2025-12-31