Heritage Financial (HFWA) Fundamental Analysis: Revenue, Earnings & Valuation

4.28 / 10

Netural

Fundamental analysis rates HFWA as neutral (4.3/10). Strengths include solid asset‑to‑market value and a 41.8% gross margin, while PB‑ROE and profit‑to‑market value lag, indicating moderate financial health and a guarded outlook.

Analysis Checks(8/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.19%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.19%

1M Return3.70%

Profit-MV

Value1.21

Score0/3

Weight7.77%

1M Return4.03%

Net income-Revenue

Value0.72

Score3/3

Weight15.63%

1M Return6.99%

PB-ROE

Value-0.95

Score1/3

Weight9.26%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.19%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.19%

1M Return3.70%

Cash-UP

Value-0.20

Score2/3

Weight8.66%

1M Return4.32%

Asset-MV

Value-0.55

Score2/3

Weight16.17%

1M Return6.73%

Cash-MV

Value0.01

Score2/3

Weight13.74%

1M Return6.14%

Is HFWA undervalued or overvalued?

HFWA scores 4.28/10 on fundamentals and holds a Fair valuation at present. Backed by its 7.57% ROE, 27.44% net margin, 15.90 P/E ratio, 1.16 P/B ratio, and 57.94% earnings growth, these metrics solidify its Netural investment rating.