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HFWA Valuation

Heritage Financial Corp
$
23.510
+0.02(0.085%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

HFWA Relative Valuation

HFWA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HFWA is overvalued; if below, it's undervalued.

Historical Valuation

Heritage Financial Corp (HFWA) is now in the Fair zone, suggesting that its current forward PE ratio of 10.92 is considered Fairly compared with the five-year average of 12.16. The fair price of Heritage Financial Corp (HFWA) is between 22.78 to 29.03 according to relative valuation methord.
Relative Value
Fair Zone
22.78-29.03
Current Price:23.67
Fair
11.00
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Heritage Financial Corp. (HFWA) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Heritage Financial Corp. (HFWA) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
3.00
PS
Heritage Financial Corp. (HFWA) has a current PS of 3.00. The 5-year average PS is 3.32. The thresholds are as follows: Strongly Undervalued below 2.17, Undervalued between 2.17 and 2.75, Fairly Valued between 3.90 and 2.75, Overvalued between 3.90 and 4.48, and Strongly Overvalued above 4.48. The current Forward PS of 3.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Heritage Financial Corp. (HFWA) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Heritage Financial Corp. (HFWA) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Heritage Financial Corp (HFWA) has a current Price-to-Book (P/B) ratio of 0.90. Compared to its 3-year average P/B ratio of 0.93 , the current P/B ratio is approximately -3.70% higher. Relative to its 5-year average P/B ratio of 0.98, the current P/B ratio is about -8.81% higher. Heritage Financial Corp (HFWA) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 10.97%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.69% , the current FCF yield is about -100.00% lower.
0.90
P/B
Median3y
0.93
Median5y
0.98
0.00
FCF Yield
Median3y
10.97
Median5y
9.69

Competitors Valuation Multiple

The average P/S ratio for HFWA's competitors is 2.79, providing a benchmark for relative valuation. Heritage Financial Corp Corp (HFWA) exhibits a P/S ratio of 3.00, which is 7.57% above the industry average. Given its robust revenue growth of -0.87%, this premium appears unsustainable.

Performance Decomposition

1Y
3Y
5Y
Market capitalization of HFWA increased by 3.50% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 13.97 to 16.39.
The secondary factor is the Revenue Growth, contributed -0.87%to the performance.
Overall, the performance of HFWA in the past 1 year is driven by P/E Change. Which is more unsustainable.
-0.87%
51.13M → 50.69M
Revenue Growth
+
-12.96%
27.69 → 24.10
Margin Expansion
+
17.33%
13.97 → 16.39
P/E Change
=
3.50%
22.70 → 23.49
Mkt Cap Growth

FAQ

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Is Heritage Financial Corp (HFWA) currently overvalued or undervalued?

Heritage Financial Corp (HFWA) is now in the Fair zone, suggesting that its current forward PE ratio of 10.92 is considered Fairly compared with the five-year average of 12.16. The fair price of Heritage Financial Corp (HFWA) is between 22.78 to 29.03 according to relative valuation methord.
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What is Heritage Financial Corp (HFWA) fair value?

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How does HFWA's valuation metrics compare to the industry average?

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What is the current P/B ratio for Heritage Financial Corp (HFWA) as of Jul 29 2025?

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What is the current FCF Yield for Heritage Financial Corp (HFWA) as of Jul 29 2025?

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What is the current Forward P/E ratio for Heritage Financial Corp (HFWA) as of Jul 29 2025?

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What is the current Forward P/S ratio for Heritage Financial Corp (HFWA) as of Jul 29 2025?