HFWA PE Ratio & Valuation,Is HFWA Overvalued

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 10.83 is considered Fairly compared with the five-year average of 11.93. The fair price of Heritage Financial Corp (HFWA) is between 24.46 to 31.27 according to relative valuation methord.

Relative Value

Fair Zone

24.46-31.27

Current Price：25.37

Fair

10.83

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.

2.67

Heritage Financial Corp. (HFWA) has a current PS of 2.67. The 5-year average PS is 3.28. The thresholds are as follows: Strongly Undervalued below 2.08, Undervalued between 2.08 and 2.68, Fairly Valued between 3.88 and 2.68, Overvalued between 3.88 and 4.48, and Strongly Overvalued above 4.48. The current Forward PS of 2.67 falls within the Undervalued 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 0.95. Compared to its 3-year average P/B ratio of 0.88 , the current P/B ratio is approximately 8.71% higher. Relative to its 5-year average P/B ratio of 0.98, the current P/B ratio is about -2.57% higher. Heritage Financial Corp (HFWA) has a Forward Free Cash Flow (FCF) yield of approximately 9.66%. Compared to its 3-year average FCF yield of 11.48%, the current FCF yield is approximately -15.84% lower. Relative to its 5-year average FCF yield of 9.76% , the current FCF yield is about -1.05% lower.

0.95

P/B

Median3y

0.88

Median5y

0.98

9.66

FCF Yield

Median3y

11.48

Median5y

9.76

Competitors Valuation Multiple

The average P/S ratio for HFWA's competitors is 2.86, providing a benchmark for relative valuation. Heritage Financial Corp Corp (HFWA) exhibits a P/S ratio of 2.67, which is -6.66% above the industry average. Given its robust revenue growth of 21.31%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of HFWA increased by 3.55% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.14 to 32.01.

The secondary factor is the Revenue Growth, contributed 21.31%to the performance.

Overall, the performance of HFWA in the past 1 year is driven by Margin Expansion. Which is more sustainable.

21.31%

49.36M → 59.88M

Revenue Growth

38.33%

23.14 → 32.01

Margin Expansion

-56.09%

35.03 → 15.38

P/E Change

3.55%

24.50 → 25.37

Mkt Cap Growth

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Frequently Asked Questions

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

What is Heritage Financial Corp (HFWA) fair value?

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. The fair price of Heritage Financial Corp (HFWA) is between 24.46 to 31.27 according to relative valuation methord.

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

What is the current P/B ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?

As of Dec 15 2025, Heritage Financial Corp (HFWA) has a P/B ratio of 0.95. This indicates that the market values HFWA at 0.95 times its book value.

What is the current FCF Yield for Heritage Financial Corp (HFWA) as of Dec 15 2025?

As of Dec 15 2025, Heritage Financial Corp (HFWA) has a FCF Yield of 9.66%. This means that for every dollar of Heritage Financial Corp’s market capitalization, the company generates 9.66 cents in free cash flow.

What is the current Forward P/E ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?

As of Dec 15 2025, Heritage Financial Corp (HFWA) has a Forward P/E ratio of 10.83. This means the market is willing to pay $10.83 for every dollar of Heritage Financial Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?

As of Dec 15 2025, Heritage Financial Corp (HFWA) has a Forward P/S ratio of 2.67. This means the market is valuing HFWA at $2.67 for every dollar of expected revenue over the next 12 months.

HFWA Valuation

HFWA Valuation

HFWA Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

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

What is Heritage Financial Corp (HFWA) fair value?

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

What is the current P/B ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?

What is the current FCF Yield for Heritage Financial Corp (HFWA) as of Dec 15 2025?

What is the current Forward P/E ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?

What is the current Forward P/S ratio for Heritage Financial Corp (HFWA) as of Dec 15 2025?