HFWA
Heritage Financial Corporation
Financial Services · Banks - Regional · NMS
$27.08
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.1B
Trailing P/E
13.27
Forward P/E
9.69
Rev Growth
+37.2%
Profit Margin
27.3%
ROE
7.3%
Analyst Target
$30.00
Recommendation
NONE
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 68.0
Score Combined: 57.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

Unlock with Membership
Opportunity Scores
Valuation100.0
Quality70.0
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 53.5 · Rank: #1134
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$901.2M
Price/Book
1.01
Beta
0.502
Analysts
5
Total Revenue (TTM)
$265.6M
Total Debt
$59.0M
Earnings Growth
+20.0%
Dividend Yield
355.0%
Short Ratio
9.43
Short % Float
0.1%
Employees
905

Elite Intelligence

Trade Consideration with position sizing, convergence signals, and risk analysis. Available to Elite members.

Upgrade to Elite
Trade Consideration
The Opportunity
Score 57.1 (P90 — top 9.8% of scored tickers). Unknown Moat. Ethical FAIL. 5 analysts at None.
Price: $27.08 | Target: $30.60 (+13%)
Score
57
Moat
Unknown
Conviction
Standard
Upside
+13%
The Fundamentals
Revenue Growth+37.2%
Profit Margin27.3%
ROE7.3%
Forward P/E9.7
Market Cap$1.1B
Position Sizing Scenarios
Stop: $23.02 (-15%) | Entry: $27.08
SharesCostProfit to TargetR:R
To Consensus ($30.60, 5 analysts)
10$270.80+$35.20 (13%)0.9R
50$1,354.00+$176.00 (13%)0.9R
100$2,708.00+$352.00 (13%)0.9R
Risk Factors
  • Elevated short interest (9.43 days to cover)
The Verdict
Heritage Financial Corporation holds a unknown competitive moat and is growing revenue at +37.2%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
61.9
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.8%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.5%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.23
above 1.0 is good
Max Drawdown
-22.4%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
70
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
0.7x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
STBA0.867
TCBK0.862
HOPE0.861
NBTB0.859
UBSI0.858
Inverse Correlated
TickerCorrelation
CINECO.BH-0.182
SUKOON.AE-0.143
4385.T-0.137
4083.SR-0.121
2899.HK-0.119
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Friday
Best Month
Nov
Worst Month
Dec
Fri-Mon Effect
-0.4105867281673147
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-0.0%
3M Return
+0.6%
6M Return
+19.5%
12M Return
+20.4%
Momentum Rank
#1894
Momentum Signal
UP

Get our daily market read free. Join thousands of traders.

Free Explorer Access