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HFWA Stock Chart & Stats
$27.49
-$0.04(-0.17%)
At close: 4:00 PM EST
$27.49
-$0.04(-0.17%)
Day’s Range― - ―
52-Week Range$21.32 - $31.25
Previous CloseN/A
Volume22.26K
Average Volume (3M)200.76K
Market Cap
$1.24B
Enterprise Value$1.32K
Total Cash (Recent Filing)$1.10B
Total Debt (Recent Filing)$42.42M
Price to Earnings (P/E)14.3
Beta0.74
Next Earnings
Oct 15, 2026EPS Estimate
0.52Next Dividend Ex-DateN/A
Dividend Yield3.17%
Share Statistics
EPS (TTM)2.06
Shares Outstanding41,218,820
10 Day Avg. Volume243,114
30 Day Avg. Volume200,762
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.87
Price to Sales (P/S)2.39
P/FCF Ratio9.38
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$32.00Price Target Upside16.41% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.06
Revenue Forecast (FY)$342.04M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetExtremely low leverage (debt-to-equity ~0.04) and stronger equity provide durable loss-absorption and regulatory flexibility. This conservative capital posture supports continued lending through cycles, enables buybacks/dividends and reduces refinancing risk, sustaining franchise resilience over months.
Improving NIM And Loan PricingNet interest margin is on an upward trajectory (3.99% q/q) and new loan yields (all new loans ~6.40%, commercial new loans 6.44%) indicate structural margin upside as the loan book reprices and converts from the sizable pipeline, supporting sustainable net interest income growth over coming quarters.
Strong Credit Metrics & Robust PipelineVery low losses and disciplined underwriting (nonaccruals 0.27%, annualized net charge-offs ~0.03%) together with a large commercial pipeline (~$628M) imply durable earnings support: credit stability preserves capital and allows loan growth to convert into higher-yielding assets over the next several quarters.
Bears Say
Elevated Merger Integration CostsManagement expects materially higher noninterest expenses during integration (elevated Q3 run-rate) which will compress efficiency and free cash flow in the near term. Even though costs should normalize post-conversion, elevated expenses will pressure margins and capital deployment for several months.
Deposit Outflows & Funding RelianceQuarterly deposit declines and temporary reliance on wholesale funding (FHLB borrowings) signal funding fragility and competitive pressure on core deposits. Over the coming quarters, higher deposit costs or continued outflows could erode NIM and require more costly funding adjustments to sustain lending growth.
Elevated CRE Concentration / Criticized LoansA high non-owner-occupied CRE ratio (~301%) and a modest uptick in criticized loans increase sensitivity to CRE market stress. This concentration risk could raise volatility in asset quality and capital needs if regional CRE conditions deteriorate, posing a multi-quarter structural vulnerability.
Heritage Financial News
HFWA FAQ
What was Heritage Financial Corp.’s price range in the past 12 months?
Heritage Financial Corp. lowest stock price was $21.32 and its highest was $31.25 in the past 12 months.
What is Heritage Financial Corp.’s market cap?
Heritage Financial Corp.’s market cap is $1.24B.
When is Heritage Financial Corp.’s upcoming earnings report date?
Heritage Financial Corp.’s upcoming earnings report date is Oct 15, 2026 which is in 82 days.
How were Heritage Financial Corp.’s earnings last quarter?
Heritage Financial Corp. released its earnings results on Jul 23, 2026. The company reported $0.42 earnings per share for the quarter, missing the consensus estimate of $0.445 by -$0.025.
Is Heritage Financial Corp. overvalued?
According to Wall Street analysts Heritage Financial Corp.’s price is currently Undervalued.
Does Heritage Financial Corp. pay dividends?
Heritage Financial Corp. pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 3.17%. See more information on Heritage Financial Corp. dividends here
What is Heritage Financial Corp.’s EPS estimate?
Heritage Financial Corp.’s EPS estimate is 0.52.
How many shares outstanding does Heritage Financial Corp. have?
Heritage Financial Corp. has 41,218,820 shares outstanding.
What happened to Heritage Financial Corp.’s price movement after its last earnings report?
Heritage Financial Corp. reported an EPS of $0.42 in its last earnings report, missing expectations of $0.445. Following the earnings report the stock price went up 0.364%.
Which hedge fund is a major shareholder of Heritage Financial Corp.?
Currently, no hedge funds are holding shares in HFWA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Heritage Financial Stock Smart Score
Neutral
1
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5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$32.00 (16.41% Upside)
$32.00 (16.41% Upside)
Blogger Sentiment
Neutral
HFWA Sentiment 50%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Increased
By 34.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $259.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Technicals
SMA
Positive
20 days / 200 days
Momentum
6.79%
12-Months-Change
Fundamentals
Return on Equity
3.17%
Trailing 12-Months
Asset Growth
19.23%
Trailing 12-Months
Company Description
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.
HFWA Stock 12 Month Forecast
Average Price Target
$32.00
▲(16.41% Upside)
Technical Analysis
Capitol Federal Financial
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Central Pacific Financial
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Horizon Bancorp
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Metropolitan Bank Holding
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Amalgamated Bank
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Ownership Overview
1.28% Insiders
25.33% Mutual Funds
0.24% Other Institutional Investors
48.07% Public Companies and
Individual Investors