HFWA
Heritage Financial·NASDAQ
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2.65 / 10
Underperform
Comprehensive analysis reveals that HFWA's fundamentals are underwhelming, scoring only 2.65/10. Key concerns include a low net assets per share growth rate (4.80%) and an elevated PB-ROE (1.41), while moderately positive factors such as a healthy gross profit margin (36.70%) and strong total profit to EBIT ratio (100%) provide limited offset. The weighted score indicates that asset-related and profitability metrics are not sufficiently robust to compensate for weaknesses in equity growth and valuation dispersion, resulting in an overall defensive position.
Analysis Checks(5/10)
Net assets per share (growth rate compared to beginning of year %)
Value4.80
Score1/3
Weight7.08%
1M Return3.39%
Value4.80
Score1/3
Weight7.08%
1M Return3.39%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.21%
1M Return3.05%
Value100.00
Score1/3
Weight6.21%
1M Return3.05%
Profit-MV
Value1.27
Score2/3
Weight11.48%
1M Return5.27%
Value1.27
Score2/3
Weight11.48%
1M Return5.27%
PB-ROE
Value1.41
Score0/3
Weight7.94%
1M Return3.61%
Value1.41
Score0/3
Weight7.94%
1M Return3.61%
Asset-MV
Value-0.50
Score1/3
Weight14.74%
1M Return5.76%
Value-0.50
Score1/3
Weight14.74%
1M Return5.76%
Revenue-MV
Value0.16
Score1/3
Weight11.66%
1M Return4.65%
Value0.16
Score1/3
Weight11.66%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.09%
1M Return3.43%
Value36.70
Score3/3
Weight7.09%
1M Return3.43%
Total profit (YoY growth rate %)
Value47.30
Score3/3
Weight10.04%
1M Return4.68%
Value47.30
Score3/3
Weight10.04%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.09%
1M Return3.43%
Value100.00
Score3/3
Weight7.09%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight16.67%
1M Return7.61%
Value0.14
Score3/3
Weight16.67%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value4.80
Score1/3
Weight7.08%
1M Return3.39%
Value4.80
Score1/3
Weight7.08%
1M Return3.39%
Revenue-MV
Value0.16
Score1/3
Weight11.66%
1M Return4.65%
Value0.16
Score1/3
Weight11.66%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.21%
1M Return3.05%
Value100.00
Score1/3
Weight6.21%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.09%
1M Return3.43%
Value36.70
Score3/3
Weight7.09%
1M Return3.43%
Profit-MV
Value1.27
Score2/3
Weight11.48%
1M Return5.27%
Value1.27
Score2/3
Weight11.48%
1M Return5.27%
Total profit (YoY growth rate %)
Value47.30
Score3/3
Weight10.04%
1M Return4.68%
Value47.30
Score3/3
Weight10.04%
1M Return4.68%
PB-ROE
Value1.41
Score0/3
Weight7.94%
1M Return3.61%
Value1.41
Score0/3
Weight7.94%
1M Return3.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.09%
1M Return3.43%
Value100.00
Score3/3
Weight7.09%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight14.74%
1M Return5.76%
Value-0.50
Score1/3
Weight14.74%
1M Return5.76%
Cash-MV
Value0.14
Score3/3
Weight16.67%
1M Return7.61%
Value0.14
Score3/3
Weight16.67%
1M Return7.61%
Is HFWA undervalued or overvalued?
- HFWA scores 2.65/10 on fundamentals and holds a Premium valuation at present. Backed by its 5.13% ROE, 24.16% net margin, 16.73 P/E ratio, 1.06 P/B ratio, and 54.13% earnings growth, these metrics solidify its Underperform investment rating.
