Heritage Financial Corporation
NASDAQ•HFWA
CEO: Mr. Brian L. Vance
セクター: Financial Services
業種: Banks - Regional
上場日: 1998-05-07
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. It 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. The company's 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, as well as commercial business loans to a range of businesses in industries that include real estate and rental and leasing, healthcare, accommodation and food services, retail trade, and construction. 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.
連絡先情報
時価総額
$840.41M
PER (TTM)
12.4
14.2
配当利回り
3.9%
52週高値
$28.98
52週安値
$19.84
52週レンジ
順位37Top 34.1%
4.4
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$86.85M+5.59%
直近4四半期の推移
EPS
$0.65+88.57%
直近4四半期の推移
フリーCF
$22.28M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Net Income Jumps 56% Net income reached $67.5M, driven by $15.0M NII growth and reduced securities losses compared to the prior year.
NIM Expansion Continues Net Interest Margin improved 27 basis points to 3.58%, reflecting higher asset yields despite rising funding costs for liabilities.
Deposit Base Grows Total deposits increased 4.1% to $5.92B, led by strong growth in non-maturity deposits, emphasizing relationship banking focus.
Capital Ratios Remain Strong Bank's CET1 ratio stood at 13.0%, well exceeding regulatory minimums, supporting operational flexibility and future growth plans.
リスク要因
Credit Quality Deterioration Nonaccrual loans surged 414% to $21.0M (0.44% ratio), driven by migration in construction and commercial loan segments.
Interest Rate Risk Exposure Simulation shows potential NII decline up to 4.9% under severe rate shocks, highlighting sensitivity to yield curve shifts.
Goodwill Impairment Potential Goodwill stands at $240.9M (26.1% of equity); future adverse economic changes could trigger non-cash impairment charges.
Regulatory Scrutiny Increases Increased focus from regulators on credit risk management and capital requirements following recent industry instability and compliance costs.
見通し
Strategic Acquisition Integration Focus remains on disciplined integration of Olympic Bancorp assets and realizing expected revenue synergies post-closing in early 2026.
Asset Quality Monitoring Management will maintain strict underwriting and closely monitor CRE and commercial loan segments for potential credit stress indicators.
Deposit Funding Strategy Strategy emphasizes growing low-cost, non-maturity deposits to fund anticipated higher yielding loan growth initiatives organically.
Adapting to Tech Competition Commitment to leveraging technology and adapting business models to compete effectively against Fintech and larger financial institutions.
同業比較
売上高 (TTM)
$527.15M
$511.93M
$455.03M
粗利益率 (最新四半期)
82.0%
81.4%
77.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| AMAL | $1.11B | 10.6 | 13.7% | 1.1% |
| MOFG | $1.02B | 17.4 | 10.0% | 1.6% |
| EQBK | $913.16M | 36.4 | 3.4% | 7.0% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.2%
緩やかな成長
4四半期純利益CAGR
16.9%
収益性の大幅な改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月16日
EPS:$0.31
|売上高:$80.31M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし