Heritage Financial/$HFWA
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
About Heritage Financial
Heritage Financial Corp is a bank holding company. The company through its subsidiary provides commercial lending and deposit relationships with small businesses and their owners in its market areas and attracts deposits from the general public. It accepts various deposit products, such as noninterest demand accounts, money market accounts, savings accounts, and certificates of deposit. Besides, the Bank also makes real estate construction loans, land development loans, and consumer loans, and originates first mortgage loans on residential properties mainly located in its market area. Geographically, all the business activity functions through the region of the United States.
Ticker
$HFWA
Sector
Primary listing
Employees
747
Headquarters
Website
HFWA Metrics
BasicAdvanced
$830M
17.09
$1.43
0.56
$0.95
3.93%
Price and volume
Market cap
$830M
Beta
0.56
52-week high
$25.82
52-week low
$19.84
Average daily volume
161K
Dividend rate
$0.95
Financial strength
Dividend payout ratio (TTM)
64.92%
Profitability
Net profit margin (TTM)
22.36%
Operating margin (TTM)
29.23%
Effective tax rate (TTM)
17.56%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.70%
Return on equity (TTM)
5.69%
Valuation
Price to earnings (TTM)
17.085
Price to revenue (TTM)
3.769
Price to book
0.93
Price to tangible book (TTM)
1.29
Price to free cash flow (TTM)
10.165
Free cash flow yield (TTM)
9.84%
Free cash flow per share (TTM)
2.404
Dividend yield (TTM)
3.89%
Forward dividend yield
3.93%
Growth
Revenue change (TTM)
3.23%
Earnings per share change (TTM)
13.61%
3-year revenue growth (CAGR)
-2.92%
3-year earnings per share growth (CAGR)
-13.45%
10-year earnings per share growth (CAGR)
2.84%
3-year dividend per share growth (CAGR)
4.24%
10-year dividend per share growth (CAGR)
9.20%
Bulls say / Bears say
Net interest margin widened to 3.51% in Q2 2025 from 3.27% in Q2 2024, boosting net interest income as higher-yielding assets were repriced.
Loans receivable reached $4.78 billion in Q2 2025, up from $4.53 billion the prior year, supporting continued revenue growth as commercial lending expanded.
Asset quality remains solid: nonaccrual loans total just $10 million and net charge-offs are at 0.04% in Q2 2025, reflecting conservative underwriting and low credit losses.
Q2 2025 net income fell to $12.2 million from $13.9 million in Q1 2025, underscoring volatility in earnings and the impact from balance sheet repositioning losses.
Heritage’s GAAP efficiency ratio stayed high at 72.7% in Q2 2025, limiting profitability compared to regional banks that aim for ratios below 65%.
Noninterest expense as a percentage of average assets increased to 2.34% in Q2 2025 from 2.21% in Q2 2024, pointing to weaker cost controls amid spending on growth initiatives.
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Heritage Financial stock?
Heritage Financial (HFWA) has a market cap of $830M as of August 31, 2025.
What is the P/E ratio for Heritage Financial stock?
The price to earnings (P/E) ratio for Heritage Financial (HFWA) stock is 17.09 as of August 31, 2025.
Does Heritage Financial stock pay dividends?
Yes, the Heritage Financial (HFWA) stock pays dividends to shareholders. As of August 31, 2025, the dividend rate is $0.95 and the yield is 3.93%. Heritage Financial has a payout ratio of 64.92% on a trailing twelve-month basis.
When is the next Heritage Financial dividend payment date?
The next Heritage Financial (HFWA) dividend payment date is unconfirmed.
What is the beta indicator for Heritage Financial?
Heritage Financial (HFWA) has a beta rating of 0.56. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.