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HFWA

BUY

Heritage Financial Corporation · Financial Services · United States · $1.2B · Avg Vol: $13M/d

68
StockRank
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Q
52
V
43
M
66
P/E (TTM)
15.0x
ROE
7.3%
D/E
0.0x
Dividend %
3.1%

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)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue249.0M243.8M216.8M246.1M-0.4%265.6M337.7M370.6M22.7%
EPS2.752.331.761.261.99-7.8%2.042.142.4811.6%
Shares35.1M34.9M34.0M34.0M-3.3%41.2M
Debt21.5M521.8M405.1M42.4M25.4%59.0M
Equity797.9M853.3M863.5M921.5M4.9%
Op CF94.5M109.5M64.5M94.8M0.1%89.5M
Inv CF-1.2B-93.4M-85.9M186.8M
Fin CF-506.4M105.3M-86.5M-165.6M
Loading 1Y...
PRICE (1Y)+5.1%
27.5228.4529.3930.3231.25Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$29.89
RSI (14)
62.4
52W High
$31.25
From 52W High
1.0%

SCORE BREAKDOWN

Quality
52
ROIC (ROA)
0.9%*35.2
ROE
7.3%36.8
GP/Assets
3.8%N/A
Op. Margin
32.3%50.9
FCF/Assets
1.2%N/A
Piotroski
797.0
Int. Cover
50.0
D/E Ratio
0.05xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
15.0x40.4
EV/EBITDA
bankN/A
P/FCF
15.5xN/A
P/B
1.1x50.8
P/S
4.7x38.8
Div Yield
3.1%40.5
Momentum
66
52W High %
96%64.2
RS 6M
8%71.4
SMA 50/200
1.11x78.1
EPS Rev 4W
+0.1%77.9
EPS Rev 12W
-3.0%22.6
EPS Improve
+37%65.3
Q Growth
36%68.0

FUNDAMENTALS

Market Cap
$1.2B
P/E (Forward)
10.9x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HFWA are excluded.

TickerCompanyMkt CapStockRankSignal
HFWAHeritage Financial Corporation(you)$1.2B68BUY
NBNNortheast Bank$1.1B68BUY
WABCWestamerica Bancorporation$1.4B70BUY
OBKOrigin Bancorp, Inc.$1.7B67BUY
TRSTTrustCo Bank Corp NY$977M66BUY
FSBCFive Star Bancorp$1.0B71BUY
OSBCOld Second Bancorp, Inc.$1.2B75BUY
TCBKTriCo Bancshares$1.9B67BUY
MBWMMercantile Bank Corporation$1.0B72BUY
CCBGCapital City Bank Group, Inc.$882M70BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Heritage Financial Corporation (HFWA) — Stock Score Summary

Heritage Financial Corporation (HFWA) has a MoatMap StockRank of 68/100 based on Quality (52/100), Value (43/100), and Momentum (66/100) factor scores. The current signal is BUY.

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.

Key Financial Metrics

Price$29.89
Market Cap$1.2B
P/E (TTM)14.98
P/E (Forward)10.93
Price/Book1.13
Return on Equity7.3%
Debt/Equity0.05x
Operating Margin32.3%
Revenue Growth37.2%
Dividend Yield3.1%
Free Cash Flow$80M

Heritage Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Heritage Financial Corporation’s (HFWA) StockRank?
MoatMap’s StockRank for Heritage Financial Corporation (HFWA) is 68/100, with a Buy signal. It is a composite of Quality (52), Value (43), and Momentum (66) factor ranks across MoatMap’s 20,000+ stock universe.
Does Heritage Financial Corporation have an economic moat?
Heritage Financial Corporation (HFWA) has a Quality factor score of 52/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Heritage Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for Heritage Financial Corporation (HFWA) is Buy, based on a StockRank of 68/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Heritage Financial Corporation in?
Heritage Financial Corporation (HFWA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).