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Upturn AI SWOT - About
HFWA 
Heritage Financial Corporation (HFWA)
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Upturn Advisory Summary
06/12/2025: HFWA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $27
Year Target Price $27
| 1 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.7% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 813.08M USD | Price to earnings Ratio 16.11 | 1Y Target Price 27 |
Price to earnings Ratio 16.11 | 1Y Target Price 27 | ||
Volume (30-day avg) 6 | Beta 0.54 | 52 Weeks Range 16.37 - 27.04 | Updated Date 06/30/2025 |
52 Weeks Range 16.37 - 27.04 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.03% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.28% | Operating Margin (TTM) 30.02% |
Management Effectiveness
Return on Assets (TTM) 0.72% | Return on Equity (TTM) 5.95% |
Valuation
Trailing PE 16.11 | Forward PE 12.33 | Enterprise Value 850946496 | Price to Sales(TTM) 3.68 |
Enterprise Value 850946496 | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 34105500 | Shares Floating 33466720 |
Shares Outstanding 34105500 | Shares Floating 33466720 | ||
Percent Insiders 1.59 | Percent Institutions 85.8 |
Analyst Ratings
Rating 3 | Target Price 27 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Heritage Financial Corporation
Company Overview
History and Background
Heritage Financial Corporation was founded in 1927 as Thurston County Federal Savings and Loan Association. It evolved from a savings and loan institution to a full-service commercial bank, Heritage Bank, and became Heritage Financial Corporation in 1998. Over the years, it has grown through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services including commercial lending, deposit accounts, and cash management services to small and medium-sized businesses.
- Retail Banking: Provides retail banking services such as personal checking and savings accounts, mortgage lending, and consumer loans to individuals.
- Wealth Management: Offers wealth management and investment advisory services to individuals and businesses.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, and other senior executives. The organizational structure is a hierarchical model with various departments and regional management teams reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers commercial real estate loans, business loans, and lines of credit. Market share data is not publicly specified but is a significant revenue generator. Competitors include larger regional and national banks like KeyCorp (KEY) and Umpqua Holdings (UMPQ).
- Mortgage Loans: Provides residential mortgage loans. Market share data is not publicly specified. Competitors include Wells Fargo (WFC) and Bank of America (BAC), as well as regional players.
- Deposit Accounts: Offers checking accounts, savings accounts, and money market accounts. Market share data is not publicly specified. Competitors include Chase (JPM) and US Bank (USB).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological disruption. Consolidation and competition are intensifying.
Positioning
Heritage Financial Corporation positions itself as a community-focused bank providing personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in the Pacific Northwest is estimated to be several billion dollars. Heritage Financial Corporation aims to increase its market share through strategic growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Healthy capital ratios
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking channels
- Interest rate sensitivity
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Potential acquisitions of smaller banks
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- KEY
- UMPQ
- WAFD
- COLB
Competitive Landscape
Heritage Financial Corporation competes with larger regional and national banks, as well as smaller community banks. Its advantage lies in its local focus, but it faces challenges from competitors with greater resources.
Major Acquisitions
Whidbey Island Bank
- Year: 2014
- Acquisition Price (USD millions): 149.3
- Strategic Rationale: Expanded Heritage's presence in the Puget Sound region.
Growth Trajectory and Initiatives
Historical Growth: Data Unavailable. Heritage Financial Corporation has grown steadily through organic growth and acquisitions.
Future Projections: Data Unavailable. Analyst estimates vary but generally project continued growth in earnings per share.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and focusing on commercial lending growth.
Summary
Heritage Financial Corporation is a community-focused bank with a solid regional presence. Its strengths include customer relationships and local market knowledge. However, it faces competition from larger banks and must invest in digital banking to remain competitive. Future growth depends on strategic expansion and effective risk management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Financial data and market conditions are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Heritage Financial Corporation
Exchange NASDAQ | Headquaters Olympia, WA, United States | ||
IPO Launch date 1998-05-07 | CEO, President & Director Mr. Bryan D. McDonald | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 757 | Website https://www.hf-wa.com |
Full time employees 757 | Website https://www.hf-wa.com | ||
Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and individuals in the United States. The company 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. Its loan portfolio includes commercial and industrial loans, owner-occupied and non-owner occupied commercial real estate loans, one-to-four family residential loans, real estate construction and land development loans, consumer loans, commercial business loans, lines of credit, term equipment financing, and term real estate loans. It also originates loans that are guaranteed by the U.S. Small Business Administration; and provides objective advice from trusted advisers. 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.
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