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HERITAGE FINANCIAL CORP /WA/ (HFWA) Stock Forecast 2025 - AI Price Prediction & Analysis


HERITAGE FINANCIAL CORP /WA/ (HFWA) AI Stock Price Forecast & Investment Analysis

HERITAGE FINANCIAL CORP /WA/ Stock Price Chart and Technical Analysis

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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.

Understanding Company Overview

What this section covers: Essential business information about HERITAGE FINANCIAL CORP /WA/, including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For HERITAGE FINANCIAL CORP /WA/: HERITAGE FINANCIAL CORP /WA/ operates in the Finance sector, making it an emerging small-cap investment.

HERITAGE FINANCIAL CORP /WA/ (Stock Symbol: HFWA) is a leading company in the Finance sector , specifically operating within the Savings Institutions, Not Federally Chartered industry.

The organization employs approximately 811 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing HERITAGE FINANCIAL CORP /WA/'s revenue scale, profitability, market value, and shareholder returns.

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

For HERITAGE FINANCIAL CORP /WA/: With $232M in annual revenue and 39.3% net margin, the company demonstrates exceptional profitability.

Annual Revenue: $232 million generating a 39.3% net profit margin .

Market Capitalization: $823 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 11.2% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for HERITAGE FINANCIAL CORP /WA/ stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Spearman correlation coefficient shows the statistical relationship between predictions and actual outcomes.

For HERITAGE FINANCIAL CORP /WA/: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for HERITAGE FINANCIAL CORP /WA/ stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: HERITAGE FINANCIAL CORP /WA/'s competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For HERITAGE FINANCIAL CORP /WA/: Strong free cash flow generation demonstrates developing operational efficiency.

HERITAGE FINANCIAL CORP /WA/ strategically competes in the highly dynamic Savings Institutions, Not Federally Chartered marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $68 million annually, complemented by impressive -19.7% year-over-year cash flow growth.

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.

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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 14.38, the market sees the stock as potentially undervalued.

P/E Ratio 14.38x
P/B Ratio 0.91x
Market Cap $823M
Dividend Yield 3.96%
EPS $1.45
Book Value/Share $26.64
Revenue/Share $6.86
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 $232M, HERITAGE FINANCIAL CORP /WA/ demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $232M
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.

📰 We are currently updating our news feed for HERITAGE FINANCIAL CORP /WA/. Check back soon for the latest market analysis and company updates.

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
AFBI Unlock Forecast - 30 Days FREE Trial $120M 16.8x 1.0x
AVBC Unlock Forecast - 30 Days FREE Trial $334M x 0.9x
BCOW Unlock Forecast - 30 Days FREE Trial $65M -8.5x 0.9x
BLFY Unlock Forecast - 30 Days FREE Trial $249M -25.1x 0.8x
BSBK Unlock Forecast - 30 Days FREE Trial $109M -65.5x 0.8x
CULL Unlock Forecast - 30 Days FREE Trial $86M 22.9x 0.9x
ECBK Unlock Forecast - 30 Days FREE Trial $154M 26.9x 0.9x
EWSB Unlock Forecast - 30 Days FREE Trial $7M x 0.5x
FBLA Unlock Forecast - 30 Days FREE Trial $255M x 0.8x
FBSI Unlock Forecast - 30 Days FREE Trial $51M x 3.1x
FLG Unlock Forecast - 30 Days FREE Trial $5278M -2.8x 0.7x
FLG-PA Unlock Forecast - 30 Days FREE Trial $9276M x 1.1x
FLG-PU Unlock Forecast - 30 Days FREE Trial $16146M x 2.0x
FMFG Unlock Forecast - 30 Days FREE Trial $54M 11.5x 0.9x
FNWB Unlock Forecast - 30 Days FREE Trial $93M -202.4x 0.6x
FSBW Unlock Forecast - 30 Days FREE Trial $305M 9.5x 1.0x
GCBC Unlock Forecast - 30 Days FREE Trial $391M 11.6x 1.6x
GOVB Unlock Forecast - 30 Days FREE Trial $17M 23.4x 0.6x
HBCP Unlock Forecast - 30 Days FREE Trial $446M 10.5x 1.1x
HFWA Unlock Forecast - 30 Days FREE Trial $823M 14.4x 0.9x
MBBC Unlock Forecast - 30 Days FREE Trial $33M 747.7x 0.7x
MSBB Unlock Forecast - 30 Days FREE Trial $16M x 0.7x
NBBK Unlock Forecast - 30 Days FREE Trial $806M 13.9x 1.1x
NECB Unlock Forecast - 30 Days FREE Trial $307M 7.0x 0.9x
PBBK Unlock Forecast - 30 Days FREE Trial $55M 21.8x 1.1x
PBFS Unlock Forecast - 30 Days FREE Trial $337M 16.5x 1.1x
PFSB Unlock Forecast - 30 Days FREE Trial $21M 19.1x 0.6x
PVBC Unlock Forecast - 30 Days FREE Trial $240M 21.2x 1.0x
QNTO Unlock Forecast - 30 Days FREE Trial $27M 13.0x 0.5x
RBKB Unlock Forecast - 30 Days FREE Trial $121M 85.1x 0.9x
SMBC Unlock Forecast - 30 Days FREE Trial $656M 10.6x 1.2x
SRBK Unlock Forecast - 30 Days FREE Trial $134M -3.3x 0.7x
TCBS Unlock Forecast - 30 Days FREE Trial $47M 20.6x 0.9x
TCBX Unlock Forecast - 30 Days FREE Trial $536M 8.6x 1.0x
TSBK Unlock Forecast - 30 Days FREE Trial $271M 13.1x 1.1x
VWFB Unlock Forecast - 30 Days FREE Trial $23M x 0.6x
WSBK Unlock Forecast - 30 Days FREE Trial $89M x 0.8x

Frequently Asked Questions - HERITAGE FINANCIAL CORP /WA/ Stock Forecast

How accurate are HERITAGE FINANCIAL CORP /WA/ stock predictions?

Our AI model shows a 21% 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.

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