logo
logo
Heritage Financial Corporation

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
201 Fifth Avenue SW, Olympia, WA, 98501, United States
360-943-1500
www.hf-wa.com
時価総額
$941.96M
PER (TTM)
13.9
15.2
配当利回り
3.5%
52週高値
$28.44
52週安値
$19.84
52週レンジ
92%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Soars 68% Q3 Net Income reached $19.2M, up 67.8% YoY, driven by strong NIM expansion and lower interest expense on borrowings.
NIM Expansion Strong Nine-month NIM improved 24 basis points to 3.53% due to higher loan yields and reduced funding costs compared to prior year.
Capital Ratios Solid Company Total Capital Ratio stood at 13.8% (Well Capitalized threshold 10.0%), demonstrating strong regulatory capital strength.
Loan Portfolio Shrinks Net Loans Receivable decreased 0.7% to $4.72B since year-end, reflecting lower production offset by prepayments and paydowns.

リスク要因

Nonperforming Assets Spike Total nonperforming assets surged 297.2% to $21.0M, driven by significant additions to nonaccrual loans during the period.
Credit Loss Provision Rises Provision for credit losses increased 42.2% for the quarter to $1.78M, reflecting higher expected losses on construction loans.
Merger Integration Uncertainty Pending acquisition of Olympic introduces risks related to integration execution, realizing synergies, and potential litigation outcomes.
Investment Securities Decline Available-for-sale securities fell 17.4% to $631M due to strategic balance sheet repositioning sales, impacting asset base.

見通し

NIM Sensitivity Managed Interest rate risk modeling shows asset sensitivity, with a positive $6.9M estimated NII shock benefit under a +200 bps scenario.
Credit Quality Monitoring Management expects future ACL to be impacted by economic forecasts and ongoing assessment of credit deterioration trends.
Deposit Mix Shifting Non-maturity deposits grew 4.2%, driven by money market accounts, while Certificates of Deposit declined 2.8%.
Merger Closing Focus Successful closing of the Olympic Merger remains a key strategic focus, contingent on regulatory approvals and no injunctions.

同業比較

売上高 (TTM)

Metropolitan Bank Holding Corp.MCB
$527.15M
+7.1%
Business First Bancshares, Inc.BFST
$511.93M
+11.8%
Amalgamated Financial Corp.AMAL
$455.03M
+4.5%

粗利益率 (最新四半期)

Central Pacific Financial Corp.CPF
82.0%
+10.7pp
HBT Financial, Inc.HBT
81.4%
+3.2pp
CNB Financial CorporationCCNE
77.1%
+17.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
AMAL$1.23B11.813.7%1.1%
SBSI$1.00B14.42.5%0.0%
MOFG$995.19M17.110.0%1.6%

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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $87.83M+7.6%
    |
    EPS: $0.56+69.7%
    予想通り
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $80.02M-2.2%
    |
    EPS: $0.36-12.2%
    予想を下回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $81.27M+13.7%
    |
    EPS: $0.41+141.2%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|
    売上高: $317.19M+4.6%
    |
    EPS: $1.26-28.4%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $81.65M+2.4%
    |
    EPS: $0.33-36.5%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $81.83M+5.8%
    |
    EPS: $0.41-14.6%
    予想通り
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $71.45M-4.6%
    |
    EPS: $0.17-70.7%
    予想を下回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月27日|
    売上高: $303.13M+17.9%
    |
    EPS: $1.76-24.5%
    予想を上回る