Heritage Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Heritage Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -1% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-1% / -0%In 3 years sales changed by -1% while total assets changed by -0%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 65% of Financial Services companies in United States.
Tangible Net Worth Ratio
74%Of every $100 of net worth, $74 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 66% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Heritage Financial Corporation owes $0.87 for every $1 it owns. Net profit rose 56% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.6Investors pay $13.6 for every $1 of Heritage Financial Corporation's yearly profit, higher than 57% of Financial Services companies in United States.
P/B ratio
1.05The share price is 1.05 times Heritage Financial Corporation's book value per share, lower than 68% of Financial Services companies in United States.
Market cap
$1.2 BThe total market value of all of Heritage Financial Corporation's shares at today's price (share price × number of shares), larger than 59% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.1 BWhat Heritage Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$27.12Net worth divided by the number of shares. The share price of $28.52 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
7.8%Heritage Financial Corporation earned 7.8% on its shareholders' money over the last year, lower than 66% of Financial Services companies in United States.
Owes vs Owns
0.87×Heritage Financial Corporation owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.61%Heritage Financial Corporation pays 3.61% of its share price as dividends a year, higher than 64% of dividend-paying Financial Services companies in United States.
Revenue growth
+14%Revenue rose 14% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Profit growth
+56%Net profit rose 56% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit margin
27.4%Heritage Financial Corporation keeps $27 of every $100 of revenue as net profit.
Questions
What is Heritage Financial Corporation's P/E ratio?
Investors pay $13.6 for every $1 of Heritage Financial Corporation's yearly profit, higher than 57% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Heritage Financial Corporation: $1.2 B ÷ $1.1 B (30 Jun 2026) = 1.1.
What is Heritage Financial Corporation's return on equity?
Heritage Financial Corporation earned 7.8% on its shareholders' money over the last year, lower than 66% of Financial Services companies in United States.
How much does Heritage Financial Corporation owe compared with what it owns?
Heritage Financial Corporation owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Heritage Financial Corporation pay a dividend?
Yes. Heritage Financial Corporation pays 3.61% of its share price as dividends a year, higher than 64% of dividend-paying Financial Services companies in United States.
Is Heritage Financial Corporation's revenue growing?
Revenue rose 14% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.