HFWA · Heritage Financial Corp /Wa/

Track HFWA — free

$29.74 -0.24 (-0.80%) At close · Aug 14

Market Cap

$1.22B

40.92M

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 10 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.3 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +12%

above

Price vs 50-day avg +1%

above

RSI (14) 50

neutral

MACD trend Negative

52-week position 85%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Neutral

1-month return −3%

trailing

6-month return +10%

trailing

YTD return +26%

this year

Relative strength −4%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $29 › 200d $27 — 50d above 200d

Institutional flow Accumulating

+1% holders QoQ · +30 funds added

Insider flow Distributing

Net -$729.1K over 90 days · 100% sells

Short interest Rising

6.64% of float · ▲ +5.1% MoM · 5.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

187 holders — near 3-yr high, broad support

Squeeze score 59

elevated · 0–100

Fundamentals

Excellent

EPS growth +58%

Y/Y

Free cash flow $85.7M

Valuation P/E 14.2

in line

Balance sheet $233.1M

net cash

Quant / Vol

risk profile

Low

Volatility 28%

annualized · 1-yr

Max drawdown −15%

past year

ATR 2.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

Q2 and Q3

Quarterly noninterest expense levels $64M – $65M

Quarterly noninterest expense levels $56M – $57M

Prior guidance period ended · from the Earnings Call filed Jun 30, 2025

Quarterly noninterest expenses · this year $41M – $42M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+12% Bullish

Price vs 50-day avg

+1% Bullish

RSI (14)

50 Neutral

MACD trend

Negative Bearish

52-week position

85% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $29 › 200d $27 — 50d above 200d

Institutional flow Accumulating

+1% holders QoQ · +30 funds added

Insider flow Distributing

Net -$729.1K over 90 days · 100% sells

Short interest Rising

6.64% of float · ▲ +5.1% MoM · 5.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

187 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $21 Now $30 · 85% Range high $31

vs 200-day avg +12% vs 50-day avg +1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted diluted earnings per share non-GAAP	$0.57	second quarter of 2026	—

Adjusted efficiency ratio non-GAAP	63.9%	second quarter of 2026	—

Adjusted noninterest expense to average total assets non-GAAP	2.56%	second quarter of 2026	—
Adjusted return on average assets non-GAAP	1.12%	second quarter of 2026	—
Adjusted return on average tangible common equity non-GAAP	13.29%	second quarter of 2026	—

Cost of interest bearing deposits	1.67%	second quarter of 2026	—

Cost of total deposits	1.21%	second quarter of 2026	—

Efficiency ratio	76.5%	second quarter of 2026	—

Loan to deposit ratio	81.7%	As of June 30, 2026	—
Net interest margin	3.99%	second quarter of 2026	—

Noninterest expense to average total assets	3.06%	second quarter of 2026	—

Return on average assets	0.83%	second quarter of 2026	—

Return on average common equity	6.33%	second quarter of 2026	—

Return on average tangible common equity non-GAAP	10.17%	second quarter of 2026	—

Tangible book value per share non-GAAP	$19.15	As of June 30, 2026	—
Common equity tier 1 capital ratio	12.7%	Q4 2025	—
Leverage ratio	10.8%	Q4 2025	—
Reversal of provision for credit losses on loans	-$0.9M	Q4 2025	—
Stockholders' equity to total assets	13.2%	Q4 2025	—
Tangible common equity to tangible assets non-GAAP	10.1%	Q4 2025	—
Tier 1 capital ratio	13.1%	Q4 2025	—
Total capital ratio	14.1%	Q4 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
HFWA Heritage Financial Corp /Wa/ this stock	$1.22B	+25.8%	—	14.2	6.6%
MFG Mizuho Financial Group Inc	$132.42B	+48.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$120.05B	-36.0%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$108.39B	-0.2%	—	—	0.5%
PNC Pnc Financial Services Group, Inc.	$102.52B	+23.1%	+7.2%	14.1	1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

187

% held: 80.3%
Net QoQ: +31.3K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

238

View

Short & Settlement

Short Interest Rising

Shares short

2.7M

Days to cover: 5.2d
Change: +130.7K sh

View

Short Volume

Short vol %

81%

As of: Aug 14, 2026

Short Total

View

Fails to Deliver

FTD shares

478

Value: $14.4K
As of: Jul 2, 2026

View

Off-Exchange

Off-exchange %

29.8%

Week of: Jul 6, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$729.1K

Buyers / Sellers: 0 / 5

Buyers Sellers

View

Financials

Net income (FY)

$67.5M

EPS diluted: $1.96

View

Buybacks

Authorized

shares 1.7M

Remaining: shares 424.5K

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 13

View

Proposed Sales

Value

$109.8K

Shares: 3.7K
Filed: Aug 6, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 23, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
HFWA	+0.8%	-2.6%	+9.7%	+0.0%	+25.8%
SPY	+0.4%	+4.5%	+13.8%	+3.9%	+13.9%
vs SPY	+0.4%	-7.0%	-4.1%	-3.9%	+11.9%

Capital returns

Latest dividend

$0.25 / share · ex Aug 5, 2026

Raised 4.2%

Paid (TTM)

$0.97 / share · 4 payouts

Dividend yield (TTM, derived)

3.26%

Buyback program · as of Jun 30, 2026

Authorized

shares 1.73M

Spent (derived)

shares 1.31M

Remaining

shares 424,489

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1046025 CUSIP 42722X106 13F (30d) 180 filings 179 filers Visit website Investor relations

HFWA · Heritage Financial Corp /Wa/

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns