Heritage Financial Corporation (HFWA) Stock Score, Valuation & Financial Research
Heritage Financial Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 52/100.
Quick answer for HFWA
Heritage Financial Corporation currently has a Wall Street Score of 52/100. The stored market price is $28.54. Its financial score is 60/100. Its valuation score is 97/100. The latest WSS change is -1.6 points. These figures are a research snapshot, not a buy or sell recommendation.
What Heritage Financial Corporation does
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. Its extensive lending portfolio encompasses commercial and industrial financing, real estate loans for both owner-occupied and investment properties, residential mortgages for single to four-family dwellings, and funding for construction and land development projects. Additionally, it extends consumer loans, lines of credit, equipment financing, and commercial business loans to a wide array of sectors such as real estate, leasing, healthcare, hospitality, retail, and construction. Heritage Financial als
HFWA financial snapshot
- Wall Street Score:
- 52/100
- Current price:
- $28.54
- Market capitalization:
- $1.18B
- Revenue:
- $336.3M
- Net income:
- $77.9M
- Free cash flow:
- $85.7M
- Cash:
- $102.6M
- Total debt:
- $188.7M
- EPS:
- 1.99
- P/E ratio:
- 14.3x
- Financial score:
- 60/100
- Valuation score:
- 97/100
- Revenue score:
- 23/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $85.7M, showing positive cash generation.
- The balance sheet shows $102.6M of cash versus $188.7M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -1.6 points: HFWA decreased 1.6 points because Revenue declined by 9.4 points, Capital declined by 7 points, Buffett declined by 2.2 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 60/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HFWA
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.