Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HFWA
BUYHeritage Financial Corporation · Financial Services · United States · $1.2B · Avg Vol: $12M/d
COMPANY DESCRIPTION
Heritage Financial Corporation operates Heritage Bank, a community-focused financial institution offering commercial, retail, and wealth management services across the Pacific Northwest region of the United States. The company establishes a competitive advantage through deep local market expertise, relationship-driven banking, and a commitment to serving small-to-medium sized businesses and individual clients within its footprint.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 249.0M | 243.8M | 216.8M | 246.1M | -0.4% | 265.6M | 337.7M | 370.6M | 22.7% |
| EPS | 2.75 | 2.33 | 1.76 | 1.26 | 1.99 | -7.8% | 2.04 | 2.14 | 2.48 | 11.6% |
| Shares | — | 35.1M | 34.9M | 34.0M | 34.0M | -3.3% | 41.2M | — | — | — |
| Debt | — | 21.5M | 521.8M | 405.1M | 42.4M | 25.4% | 59.0M | — | — | — |
| Equity | — | 797.9M | 853.3M | 863.5M | 921.5M | 4.9% | — | — | — | — |
| Op CF | — | 94.5M | 109.5M | 64.5M | 94.8M | 0.1% | 89.5M | — | — | — |
| Inv CF | — | -1.2B | -93.4M | -85.9M | 186.8M | — | — | — | — | — |
| Fin CF | — | -506.4M | 105.3M | -86.5M | -165.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HFWA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HFWA | Heritage Financial Corporation(you) | $1.2B | 67 | BUY |
| OSBC | Old Second Bancorp, Inc. | $1.2B | 70 | BUY |
| NBN | Northeast Bank | $1.1B | 69 | BUY |
| WABC | Westamerica Bancorporation | $1.4B | 69 | BUY |
| TRST | TrustCo Bank Corp NY | $977M | 67 | BUY |
| FSBC | Five Star Bancorp | $1.0B | 68 | BUY |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | BUY |
| DCOM | Dime Commercial Bancshares, Inc. | $1.7B | 67 | BUY |
| PFBC | Preferred Bank | $1.2B | 74 | BUY |
| HBT | HBT Financial, Inc. | $1.2B | 74 | BUY |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%