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Upturn AI SWOT - About
HFWA 
Heritage Financial Corporation (HFWA)
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Upturn Advisory Summary
03/13/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 15.05% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 832.77M USD | Price to earnings Ratio 19.76 | 1Y Target Price 29.4 |
Price to earnings Ratio 19.76 | 1Y Target Price 29.4 | ||
Volume (30-day avg) 252400 | Beta 0.53 | 52 Weeks Range 16.06 - 27.32 | Updated Date 04/2/2025 |
52 Weeks Range 16.06 - 27.32 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.95% | Basic EPS (TTM) 1.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.55% | Operating Margin (TTM) 31.43% |
Management Effectiveness
Return on Assets (TTM) 0.61% | Return on Equity (TTM) 5.04% |
Valuation
Trailing PE 19.76 | Forward PE 12.33 | Enterprise Value 1138855040 | Price to Sales(TTM) 3.96 |
Enterprise Value 1138855040 | Price to Sales(TTM) 3.96 | ||
Enterprise Value to Revenue 5.68 | Enterprise Value to EBITDA - | Shares Outstanding 33990800 | Shares Floating 33393268 |
Shares Outstanding 33990800 | Shares Floating 33393268 | ||
Percent Insiders 1.57 | Percent Institutions 83.86 |
Analyst Ratings
Rating 3.5 | Target Price 29.2 | 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, founded in 1927, is a bank holding company headquartered in Olympia, Washington. Initially a small community bank, it has grown through strategic acquisitions and organic growth to serve communities throughout Washington and Oregon.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including term loans, lines of credit, and real estate financing, catering to businesses of various sizes.
- Retail Banking: Offers deposit accounts, consumer loans, mortgages, and other retail banking services to individuals and families.
- Wealth Management: Provides wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
Jeffrey DePiero is the President and Chief Executive Officer. The organizational structure is a traditional bank holding company model, with various departments overseeing different aspects of the business, such as lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. Market share information is fragmented, but Heritage Financial competes with regional and national banks. Competitors include Umpqua Bank, Columbia Banking System and larger national banks.
- Small Business Loans: Provides loans to small businesses for working capital, equipment purchases, and expansion. Market share is competitive with other regional and community banks and online lenders. Competitors include US Bank, Banner Bank.
- Deposit Accounts: Offers checking, savings, and money market accounts. The market is very competitive. Competitors include Chase, Bank of America and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently experiencing a period of increased regulatory scrutiny, rising interest rates, and evolving customer preferences, with greater demand for digital banking solutions. Competition is high.
Positioning
Heritage Financial Corporation positions itself as a community-focused bank with strong local relationships and personalized service. Its competitive advantage lies in its deep understanding of the markets it serves and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The TAM for banking services in Washington and Oregon is estimated at hundreds of billions of dollars. Heritage Financial is positioned to capture a portion of this TAM by focusing on its core markets and building strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in Washington and Oregon
- Experienced management team
- Solid asset quality
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking services
- Smaller scale compared to national banks
- Susceptible to economic fluctuations in the Pacific Northwest
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Potential for acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- UMPQ
- COLB
- BOKF
Competitive Landscape
Heritage Financial Corporation competes with a mix of regional and national banks. Its advantage lies in its local presence and personalized service, while its disadvantage is its smaller scale.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Heritage Financial has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion in key markets and increased adoption of digital banking solutions.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions to expand market share.
Summary
Heritage Financial Corporation is a well-established regional bank with a strong presence in Washington and Oregon. Its strengths include its local focus, experienced management, and solid asset quality. However, it faces challenges from larger competitors and potential economic downturns. The company is working to expand its digital capabilities and wealth management services to drive future growth.
Similar Companies
- UMPQ
- COLB
- BANR
- PBCO
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share percentages are approximate and may vary depending on the source. Financial data requires extraction from third party tools and are not available at this time.
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 & Director Mr. Jeffrey J. Deuel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 733 | Website https://www.hf-wa.com |
Full time employees 733 | 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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