Intratio
Quantitative Research
Skip to main content
AI Market Summary
Loading market intelligence...
  • Sign in
    My account
    Logout
AI 90-DAY FORECAST
BULLISH SIGNAL DETECTED
██.█% Sign up free to reveal

Heritage Financial Corp /Wa/ (HFWA) AI Forecast

Our AI detected a significant signal for Heritage Financial Corp /Wa/. Create a free account to see the exact price target.

✓ Free account • ✓ 30-day free trial

$HFWA Bullish Signal Full forecast available
Sign Up Free

Heritage Financial Corp /Wa/ (HFWA) Stock Forecast 2025

Heritage Financial Corp /Wa/ (HFWA) AI Stock Price Forecast & Investment Analysis

Heritage Financial Corp /Wa/ Stock Price Chart and Technical Analysis

Loading chart...

Heritage Financial Corp /Wa/ (HFWA) - Comprehensive Stock Analysis & Investment Research

Deep dive into Heritage Financial Corp /Wa/'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on March 10, 2026, 6:21 p.m. (UTC)

Heritage Financial Corp /Wa/ Investment Summary

When evaluating whether Heritage Financial Corp /Wa/ (HFWA) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Heritage Financial Corp /Wa/ (HFWA) operates within the Finance sector, specifically in the Savings Institutions, Not Federally Chartered industry. The company employs approximately 811 people. With a market capitalization of $897 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Heritage Financial Corp /Wa/'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Heritage Financial Corp /Wa/ along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Heritage Financial Corp /Wa/ is suitable for your investment objectives, risk tolerance, and time horizon...

Continue Reading Full Analysis

Get the complete investment breakdown for Heritage Financial Corp /Wa/

Sign Up Free
Corporate Identity

Heritage Financial Corp /Wa/ (Stock Symbol: HFWA) is a prominent company operating within the Finance sector, with a specific focus on the Savings Institutions, Not Federally Chartered industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Heritage Financial Corp /Wa/'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Heritage Financial Corp /Wa/...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Heritage Financial Corp /Wa/...

Unlock Full Company Profile

Get complete details about Heritage Financial Corp /Wa/

Sign Up Free
Revenue & Growth Analysis

Heritage Financial Corp /Wa/ generates annual revenues of $244 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Heritage Financial Corp /Wa/...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Heritage Financial Corp /Wa/...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Heritage Financial Corp /Wa/...

Unlock Financial Analysis

Get complete financial metrics for Heritage Financial Corp /Wa/

Sign Up Free
AI ANALYSIS AVAILABLE

Unlock Heritage Financial Corp /Wa/'s AI Price Forecast

Join 10,000+ investors using our 67%+ accurate AI predictions

4,000+ Stocks Analyzed
67%+ Accuracy Rate
Daily Updates
Start 30-Day Free Trial →

✓ 30-day free trial • ✓ Cancel anytime

Strategic Market Position

Heritage Financial Corp /Wa/ strategically competes in the highly dynamic Savings Institutions, Not Federally Chartered marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Heritage Financial Corp /Wa/ competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $68 million annually , with year-over-year cash flow growth of -19.7%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.03x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Heritage Financial Corp /Wa/ (HFWA) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Heritage Financial Corp /Wa/ stock analysis.

Deep dive into Heritage Financial Corp /Wa/'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Heritage Financial Corp /Wa/ stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Heritage Financial Corp /Wa/: With a P/E ratio of 13.28, the market sees the stock as potentially undervalued.

P/E Ratio 13.28x
P/B Ratio 0.97x
Market Cap $897M
Dividend Yield 3.63%
EPS $1.45
Book Value/Share $27.14
Revenue/Share $7.19
FCF/Share $2.71
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Heritage Financial Corp /Wa/ converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Heritage Financial Corp /Wa/: An ROE of 11.2% shows good shareholder value creation.

ROE 11.2%
ROA 1.3%
Net Margin 39.3%
EBT Margin 48.2%
Tax Rate 18.5%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Heritage Financial Corp /Wa/'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Heritage Financial Corp /Wa/:

D/E Ratio 0.03x
Financial Leverage 9.11x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Heritage Financial Corp /Wa/'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Heritage Financial Corp /Wa/: Free cash flow of $68M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $71M
Free Cash Flow $68M
Capital Spending -$3M
OCF Growth YoY -19.7%
FCF Growth YoY -15.1%
FCF/Sales 28.9%
CapEx/Sales 1.4%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Heritage Financial Corp /Wa/ uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Heritage Financial Corp /Wa/: An asset turnover of 0.03x suggests room for improvement in asset utilization.

Asset Turnover 0.03x
Fixed Assets Turnover 2.9x
Understanding Financial Statement Data

What these metrics mean: Key figures from Heritage Financial Corp /Wa/'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Heritage Financial Corp /Wa/: With annual revenue of $244M, Heritage Financial Corp /Wa/ demonstrates solid business size.

Income Statement
Total Revenue $244M
SG&A Expense $47M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 35%
Total Liabilities 89%
Accounts Receivable 0%
Dividend & Shareholder Information
Dividends Per Share $0.94
Payout Ratio 0.4%
Shares Outstanding 34M
Growth Metrics (YoY)
EPS Growth 4.5%

Latest Heritage Financial Corp /Wa/ Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Heritage Financial Corp /Wa/ (HFWA) stock price and investment outlook.

More news available

Sign up free to read all 4 news articles and stay updated on market developments.

Sign Up Free to Read More

Heritage Financial Corp /Wa/ Competitors & Peer Analysis - Finance Sector

Comparative analysis of Heritage Financial Corp /Wa/ against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Affinity Bancshares, Inc. AFBI ██% $121M 16.0x 1.0x
Avidia Bancorp, Inc. AVBC ██% $384M x 1.0x
1895 Bancorp Of Wisconsin, Inc. /Md/ BCOW ██% $66M -8.5x 0.9x
Blue Foundry Bancorp BLFY ██% $270M -25.1x 0.9x
Bogota Financial Corp. BSBK ██% $110M 229.1x 0.8x
Cullman Bancorp, Inc. /Md/ CULL ██% $80M 21.8x 0.8x
Ecb Bancorp, Inc. /Md/ ECBK ██% $152M 22.9x 0.9x
Ewsb Bancorp, Inc. /Md/ EWSB ██% $7M x 0.6x
Fb Bancorp, Inc. /Md/ FBLA ██% $192M x 0.6x
First Bancshares Inc /Mo/ FBSI ██% $78M x 4.7x
Flagstar Bank, National Association FLG ██% $5.21B -2.8x 0.6x
Flagstar Bank, National Association FLG-PA ██% $9.41B x 1.2x
Flagstar Bank, National Association FLG-PU ██% $16.90B x 2.1x
Farmers & Merchants Bancshares, Inc. FMFG ██% $56M 11.4x 0.9x
First Northwest Bancorp FNWB ██% $87M -202.4x 0.5x
Fs Bancorp, Inc. FSBW ██% $310M 9.6x 1.0x
Greene County Bancorp Inc GCBC ██% $382M 10.4x 1.5x
Gouverneur Bancorp, Inc./Md/ GOVB ██% $19M 21.7x 0.6x
Home Bancorp, Inc. HBCP ██% $458M 9.9x 1.1x
Heritage Financial Corp /Wa/ HFWA ██% $897M 13.3x 1.0x
Marathon Bancorp, Inc. /Md/ MBBC ██% $41M 53.5x 0.9x
Mercer Bancorp, Inc. MSBB ██% $17M 19.9x 0.7x
Nb Bancorp, Inc. NBBK ██% $957M 19.0x 1.1x
Northeast Community Bancorp, Inc./Md/ NECB ██% $327M 7.5x 1.0x
Pb Bankshares, Inc. PBBK ██% $51M 21.9x 1.0x
Pioneer Bancorp, Inc./Md PBFS ██% $350M 17.1x 1.1x
Pfs Bancorp, Inc. PFSB ██% $27M 21.3x 0.7x
Provident Bancorp, Inc. /Md/ PVBC ██% $240M 21.2x 1.0x
Quaint Oak Bancorp, Inc. QNTO ██% $40M 23.3x 0.8x
Rhinebeck Bancorp, Inc. RBKB ██% $177M 35.1x 1.3x
Southern Missouri Bancorp, Inc. SMBC ██% $702M 10.8x 1.2x
Sr Bancorp, Inc. SRBK ██% $145M 95.0x 0.8x
Texas Community Bancshares, Inc. TCBS ██% $49M 19.4x 0.9x
Third Coast Bancshares, Inc. TCBX ██% $636M 9.6x 1.2x
Timberland Bancorp Inc TSBK ██% $302M 9.9x 1.1x
Vwf Bancorp, Inc. VWFB ██% $28M x 0.8x
Winchester Bancorp, Inc./Md/ WSBK ██% $120M 84.8x 1.0x
Reveal all forecasts See exact % predictions for all competitors
Sign up free

Frequently Asked Questions - Heritage Financial Corp /Wa/ Stock Forecast

How accurate are Heritage Financial Corp /Wa/ stock predictions?

Our AI model shows a -9% Spearman correlation coefficient for HFWA predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Heritage Financial Corp /Wa/ stock price forecasts?

Our analysis considers Heritage Financial Corp /Wa/'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Heritage Financial Corp /Wa/ a good investment in 2025?

Based on our AI analysis, Heritage Financial Corp /Wa/ shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Heritage Financial Corp /Wa/ forecasts updated?

Heritage Financial Corp /Wa/ stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

My Portfolio

Investment Dashboard

Loading your portfolio...