HFWA PEER ANALYSIS

Heritage Financial Corporation — metric-by-metric comparison with peers and the industry median

HFWAHeritage Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

HFWAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	HFWA	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
P/E	15.86	116.70	21.63	13.24	9.10	2.96●	12.88
P/B	1.03	0.68●	3.42	1.39	1.40	0.71	1.28
EV/EBITDA	1.09	306.43	2.96	14.73	-8.48●	2.20	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HFWA	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Current Ratio	339.27●	0.01	—	0.12	0.25	—	0.31
Debt/Equity	3.8%	744.5%	0.0%●	209.8%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	-12.27	280.57	-13.41	5.39	-14.68●	-0.47	-0.58

Profitability
Metric	HFWA	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Net Margin	20.5%	1.4%	14.2%	25.9%	20.1%	54.9%●	20.6%
ROE	7.3%	1.0%	17.5%	10.6%	14.9%	27.4%●	10.9%
ROA	0.9%	0.1%	1.2%	0.5%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HFWA	LB	SKBNK	LLOY	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	41.1%●	-80.9%	8.1%	16.2%	16.0%	-1.3%	19.4%
Div. Yield	3.2%	4.7%	—	3.2%	4.8%●	—	2.5%
Payout	45.0%	335.1%	—	—	—	—	31.4%

Valuation
Metric	HFWA	NBN	FMBH	CCB	OCFC	OSBC	Ind. Median
P/E	15.86	11.39●	12.49	24.46	15.46	14.29	12.88
P/B	1.03	1.97	1.11	2.39	0.65●	1.38	1.28
EV/EBITDA	1.09●	12.75	9.79	17.05	11.96	11.72	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HFWA	NBN	FMBH	CCB	OCFC	OSBC	Ind. Median
Current Ratio	339.27	0.26	0.09	783.46●	2.77	0.22	0.31
Debt/Equity	3.8%●	130.0%	56.8%	10.5%	90.0%	36.2%	38.0%
NetDebt/EBITDA	-12.27●	5.05	-0.68	0.00	1.75	2.14	-0.58

Profitability
Metric	HFWA	NBN	FMBH	CCB	OCFC	OSBC	Ind. Median
Net Margin	20.5%	26.2%●	21.0%	8.2%	10.6%	20.2%	20.6%
ROE	7.3%	19.0%●	9.8%	10.3%	4.1%	10.8%	10.9%
ROA	0.9%	2.1%●	1.1%	1.0%	0.5%	1.4%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HFWA	NBN	FMBH	CCB	OCFC	OSBC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	41.1%●	34.1%	19.0%	2.4%	-24.7%	2.7%	19.4%
Div. Yield	3.2%	0.0%	2.0%	—	4.1%●	1.1%	2.5%
Payout	45.0%	0.4%	24.7%	—	67.2%	15.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

Go deeper on HFWA

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.