Valuation dashboard for Heritage Financial Corporation (HFWA) with P/E 13.21, P/B 1.01, EV/EBITDA 25.75 and dividend yield 3.46%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
Heritage Financial Corporation operates as the parent company for Heritage Bank, providing a comprehensive range of financial services to individuals and small to mid-sized businesses throughout the United States. The company's deposit offerings include various checking accounts (both interest and non-interest bearing), money market accounts, savings accounts, and certificates of deposit.
Analysis Summary
Heritage Financial Corporation reported revenue of $336.0M in the most recent fiscal year, growing at a 5-year CAGR of 6.0%. Net income reached $67.5M, with a 7.7% 5-year CAGR.
Trailing-twelve-month margins: gross margin 74.6%, operating margin 14.0%, net margin 23.2%.
At the current price of $28.01, HFWA trades at a P/E of 13.21 and an ROE of 7.69%. Market capitalisation stands at $1.2B.
Balance sheet quality for HFWA: current ratio of 1.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 13.21 |
| Price / Book | 1.01 |
| EV / EBITDA | 25.75 |
| Dividend Yield | 3.46% |
Valuation Models
| DCF Fair Value | $146.24 |
| vs Current Price | +422.1% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HFWA | Heritage Financial Corporation | $1.2B | 13.21 | 1.01 | 7.7% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price
| Price | $28.01 |
| Market Cap | $1.2B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 7.69% |
| Return on Invested Capital | 0.48% |
| Return on Assets | 0.92% |
| Gross Margin | 74.64% |
| Operating Margin | 14.03% |
| Net Margin | 23.17% |
Related companies: BFST · CCNE · CFFN · CPF · FSBC · HAFC · HBT
Explore sector: Financial Services · Banks - Regional
More sections of HFWA: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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