Heritage Financial stock
HFWANASDAQHeritage Financial Corporation, Financial ServicesISIN US42722X1063
58Score 58 out of 100, Neutral
Price and trend
59 / 100
Price history
+26% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 1.0% above it.
Since January 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 47).
The price is 9.8% below its 52-week high. Largest decline in 20 years: 64% (February 2007 to March 2009).
Chart figures for advanced users
- SMA 50$28.24
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$27.90
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)47
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$21.47
- The lowest closing price of the last twelve months.
- Resistance$31.25
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Heritage Financial Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $1.14B, is number 285 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $246.14M (up 13.5% year on year) and earnings of $67.53M (up 56.1%).
- For fiscal 2026, analysts expect on average revenue of $336.53M (up 36.7%) and adjusted earnings per share of $1.95 (down 12.9%).
Show more
- MEQIRI Score 58 out of 100 (Neutral): rank 764 of 976 in Financial Services, median 68.
- The P/E is 15 (Banks (Regional) median 12.2, own median of recent years 16.8).
- Our model puts fair value at $26.19, with the price 8% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 74
- Share buybacksShare count down 6% since 2020.
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are stability and fundamentals, while profitability and capital allocation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 60 to 58.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $20.14 and expensive above $37.41 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $29.39 (excess return model) and $22.98 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $23.74, at 7.8% it would be $29.86.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 23.7% on the twelve months before. Revenue has grown solidly since 2006, at about 10% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 32%, net 27%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 77 days
- Last reported
- 22 Oct 2026EPS reported $0.55 (expected $0.51)above expectations
Analyst estimates
Analysts have cut their 2026 earnings estimate by 4.2% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $1.95−4.2%
- Revenue
- $336.53M+0.3%
- Earnings per share
- $2.62−0.6%
- Revenue
- $363.48M+0.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −0.1%Guidance from last quarter is maintained: expenses of $64 million to $65 million in the third quarter and $56 million to $57 million in the fourth, with mid single digit loan growth.
“Based on our current forecast of staffing levels and merger-related costs, we are remaining consistent with our guidance from last quarter in that we're expecting quarterly noninterest expense levels to be in the $64 million to $65 million range in Q3 before decreasing to a range of $56 million to $57 million in Q4.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 23 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 7 insiders sold, $1.17M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Rivera Frederick BSale
15 Sept 2026, Board
- Shares
- 1,300
- Price
- $28.57
- Value
- $37,135
- Charneski BrianSale
3 Sept 2026, Board
- Shares
- 13,675
- Price
- $29.18
- Value
- $399,091
- Ray Matthew T.Sale
13 Aug 2026, EVP Chief Lending Officer
- Shares
- 3,692
- Price
- $30.10
- Value
- $111,129
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- Lyon Jeffrey SSale
5 Aug 2026, Board
- Shares
- 10,000
- Price
- $30.00
- Value
- $300,000
- Chalfant TonySale
5 Aug 2026, EVP Chief Credit Officer
- Shares
- 3,234
- Price
- $29.92
- Value
- $96,751
- Wilson Kelli AnnSale
30 Jul 2026, EVP Chief Banking Officer
- Shares
- 3,778
- Price
- $29.69
- Value
- $112,178
- Hinson DonaldSale
9 Jun 2026, EVPand Chief Financial Officer
- Shares
- 3,842
- Price
- $28.37
- Value
- $109,013
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Heritage Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 58
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Preferred BankPFBC $1.22B79
- Norion BankNORION.ST $1.21B76
- Amerant BancorpAMTB $1.18B61
- Metropolitan Bank HoldingMCB $1.18B72
- BKS BankBKS.VI $1.12B68
- Univest FinancialUVSP $1.11B65
- Northeast BankNBN $1.1B78
- Horizon BancorpHBNC $1.09B70
ETFs that hold Heritage Financial
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.07% | 0.30% | €2.28B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.05% | 0.30% | €185.82M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.04% | 0.35% | €204.34M |
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| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.04% | 0.29% | €182.46M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.04% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.04% | 0.30% | €2.17B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 7 Nov 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.