HFWA | Ticker Profile - Titan Protect

HFWA

Heritage Financial Corporation

Financial Services · Banks - Regional · NMS

$27.78

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.1B

Total market value of the company

Trailing P/E

13.27

Reasonably valued

Forward P/E

9.69

Based on estimated future earnings — lower means cheaper

Rev Growth

+37.2%

Year-over-year revenue change

Profit Margin

27.3%

How much profit the company keeps from each dollar of revenue

ROE

7.3%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$30.00

+8% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 5 analysts covering this stock

About Heritage Financial Corporation

Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and its owners in the United States. It accepts various deposit products, such as noninterest demand deposits, interest bearing demand deposits, money market accounts, savings accounts, personal checking accounts, and certificates of deposit. The company also offers commercial business loans, including lines of credit, term equipment financing and term owner-occupied, and non-owner occupied CRE loans; real estate construction and land development loans, as well as residential construction loans, and commercial and multifamily construction loans; residential real estate loans; and originate loans that are guaranteed by the U.S. SBA, and secured and unsecured consumer loans and lines of credit. In addition, it provides investment advice, online banking, online statements, mobile banking with mobile deposit, Visa debit cards, and access. The company was formerly known as Heritage Financial Corporation, M.H.C. and changed its name to Heritage Financial Corporation in 1998. Heritage Financial Corporation was founded in 1927 and is headquartered in Olympia, Washington.

https://www.hf-wa.com

Country: United States Employees: 905 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.991

Good returns relative to risk taken

Kelly Fraction

0.0718

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.350

Returns exceed worst-case losses — strong risk profile

Annual Return

30.2%

Historical annualised return based on price data

Max Drawdown

-22.4%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.50

Less volatile than the market — more defensive

52W High

$28.98

4% below the year high

52W Low

$21.32

30% above the year low

Avg Volume

290,154

Average daily shares traded — higher means easier to buy and sell

Short Ratio

9.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

7.0%

Moderate short interest

Div Yield

355.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.04

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

32.3%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$266M

Total revenue over the last 12 months

Net Income

$73M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$32.00

Target Median

$30.00

Target Low

$30.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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