HFWA logo

HERITAGE FINANCIAL CORP

HFWANASDAQ
πŸ† #2378 by market capUS Equity
$751.37β–Ό $39.52 (βˆ’5.26%)
Simulated price
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24hβ–Ό 5.3%
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🏦Market Cap
$1.15B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+30.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
16.1%
Healthy
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
76
Good
No chart data available for HFWA.

Trading Snapshot

Day Range
$746.67 – $756.58
52-Week Range
$21.32 – $31.25
Volume
$2.62B
Avg Volume
$3.48B
Shares Outstanding
40.9M
Next Earnings
Nov 29, 2026

Fundamentals Snapshot

Annual Revenue
$336M
Last Q Revenue
$62M
P/E Ratio
14.8
P/S Ratio
2.3x
EPS (TTM)
$2.11
Dividend Yield
2.98%
Dilution (1yr)
βˆ’0.4%

Why Investors Own HFWA

  • βœ“High-growth profile β€” revenue up +7.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 29% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HFWA logo

HERITAGE FINANCIAL CORP

HFWA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$336Mβ–² +5.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
72.4%β–² +9.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$78Mβ–² +48.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$86Mβ–² +40.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
34.4Mβ–Ό βˆ’0.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$10Mβ–² +$298M YoY
StockOtter Β· stockotter.space

About HERITAGE FINANCIAL CORP

Heritage Financial Corporation operates as the parent company for Heritage Bank, providing a comprehensive range of financial services to individuals and small to mid-sized businesses throughout the United States. The company's deposit offerings include various checking accounts (both interest and non-interest bearing), money market accounts, savings accounts, and certificates of deposit. Its extensive lending portfolio encompasses commercial and industrial financing, real estate loans for both owner-occupied and investment properties, residential mortgages for single to four-family dwellings, and funding for construction and land development projects. Additionally, it extends consumer loans, lines of credit, equipment financing, and commercial business loans to a wide array of sectors such as real estate, leasing, healthcare, hospitality, retail, and construction. Heritage Financial also originates loans backed by the U.S. Small Business Administration and delivers trust services along with professional financial guidance. As of January 27, 2022, the corporation managed 49 banking locations situated across Washington and Oregon. Established in 1927 and headquartered in Olympia, Washington, the company adopted its current name in 1998, having previously operated as Heritage Financial Corporation, M.H.C.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$783.95
β–² +4.3% Upside
High Target$954.28
Low Target$589.38
Based on 22 analysts

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