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Heritage Financial Corporation

HFWA Finance Banks
$29.15
▲ +5.3% Today
as of Oct 23, 16:49 ET
Last 30 days +2.14% Sep 14 → Oct 23
$26.70 $27.36 $28.01 $28.67 $29.33 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$27.67
High
$28.66
Low
$27.64
Volume
$475,287
Avg Vol
$303,866
Mkt Cap
$1.1B
P/E (TTM)
19.00
Beta
—
52w High
$31.25
52w Low
$21.32
Div Yield
—
Shares Out
$41M

Recent Press Releases & News last 60 days · 12 items

Oct 23 · 00:58 Moby
Heritage Financial Corporation Q3 2026 Earnings Call Summary
Oct 22 · 21:28 Motley Fool
Heritage Financial (HFWA) Q3 2026 Earnings Call Transcript
Oct 22 · 20:04 MarketBeat
Heritage Financial Q3 Earnings Call Highlights
▸ Show all 12 press releases & news Free account →

HFWA earnings at a glance

The options market is pricing a move of about ±20.3% after the report, a range of roughly $23.23 to $35.07 from today's $29.15. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±3.2% on average; after the most recent report on Jul 23, 2026 it moved -0.4%. That means options currently expect more movement than HFWA has typically delivered. HFWA beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 172%. The share price of $29.15 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$21
$31
79% of range
Avg surprise (last 6)
+6.2%
Avg reaction (last 6)
-0.7%
50% positive
Latest IV / EM
172%
EM ±20.3% · $30 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.16$0.29$0.41$0.54$0.66 Actual $0.58Actual $0.48Actual $0.51Actual $0.16Actual $0.41Actual $0.33Actual $0.49Est $0.46Actual $0.53Est $0.50Actual $0.56Est $0.56Actual $0.66Est $0.57Actual $0.59Est $0.57Actual $0.57Est $0.54 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$5M$10M$15M$20M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.57 $0.54 +5.6% +1.9% -0.4% earnings
Thu Apr 23, 20268K 2026-04-23 $0.59 $0.57 +3.5% — -4.4% earnings
Thu Jan 22, 20268K 2026-01-22 $0.66 $0.57 +15.8% — +7.2% earnings
Thu Oct 23, 2025Sep/2025 $0.56 $0.56 0.0% — +0.3% earnings
Thu Jul 24, 2025Jun/2025 $0.53 $0.50 +6.0% — -6.9% earnings
Thu Apr 24, 2025Mar/2025 $0.49 $0.46 +6.5% — +0.0% earnings
Mon Sep 30, 2024Sep 2024 $0.33 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.41 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.16 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.51 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.48 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.58 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$18M$19M—$19M$12M$14M—$11M
EPS (diluted)$0.42$0.48—$0.55$0.36$0.40—$0.33

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$204M$268M$233M$245M$254M$249M$117M$176M
Inventory————————
Total current assets————————
Total assets$8.43B$8.50B$6.97B$7.01B$7.07B$7.13B$7.11B$7.15B
Long-term debt————————
Total liabilities$7.32B$7.38B$6.05B$6.11B$6.18B$6.25B$6.24B$6.28B
Total equity$1.11B$1.12B$922M$904M$888M$882M$864M$875M

Implied volatility — last 90 days

9%122%235%348%461% Jun 07 — IV 138% · EM ±19.1%Jun 08 — IV 141% · EM ±18.6%Jun 09 — IV 149% · EM ±18.7%Jun 10 — IV 153% · EM ±18.1%Jun 11 — IV 141% · EM ±15.6%Jun 12 — IV 168% · EM ±17.2%Jun 16 — IV 165% · EM ±9.7%Jun 17 — IV 461% · EM ±19.3%Jun 19 — IV 78% · EM ±17.2%Jun 22 — IV 54% · EM ±11.2%Jun 23 — IV 87% · EM ±17.8%Jun 24 — IV 90% · EM ±17.9%Jun 26 — IV 88% · EM ±16.9%Jun 29 — IV 93% · EM ±16.5%Jul 08 — IV 136% · EM ±17.1%Jul 09 — IV 141% · EM ±16.6%Jul 10 — IV 149% · EM ±16.5%Jul 20 — IV 69% · EM ±16.3%Jul 21 — IV 72% · EM ±16.7%Jul 22 — IV 60% · EM ±13.8%Jul 23 — IV 75% · EM ±16.8%Jul 24 — IV 74% · EM ±16.4%Jul 27 — IV 76% · EM ±15.8%Jul 28 — IV 79% · EM ±16.2%Jul 31 — IV 46% · EM ±8.7%Aug 07 — IV 101% · EM ±15.8%Aug 10 — IV 117% · EM ±16.2%Aug 11 — IV 115% · EM ±15.2%Aug 12 — IV 122% · EM ±15.2%Aug 24 — IV 9% · EM ±1.9%Aug 25 — IV 74% · EM ±15.1%Aug 26 — IV 85% · EM ±17.0%Aug 27 — IV 93% · EM ±18.1%Aug 28 — IV 57% · EM ±11.0%Aug 31 — IV 97% · EM ±17.2%Sep 01 — IV 104% · EM ±17.9%Sep 02 — IV 57% · EM ±9.5%Sep 03 — IV 90% · EM ±14.5%Sep 04 — IV 11% · EM ±1.7%Sep 07 — IV 12% · EM ±1.7%Sep 08 — IV 58% · EM ±7.6%Sep 09 — IV 79% · EM ±9.9%Sep 10 — IV 149% · EM ±17.6%Sep 11 — IV 89% · EM ±9.9%Sep 14 — IV 235% · EM ±19.6%Sep 15 — IV 238% · EM ±17.2%Sep 16 — IV 302% · EM ±17.9%Sep 17 — IV 426% · EM ±17.8%Sep 21 — IV 87% · EM ±18.2%Sep 22 — IV 90% · EM ±18.4%Sep 23 — IV 102% · EM ±20.4%Sep 24 — IV 101% · EM ±19.8%Sep 25 — IV 103% · EM ±19.8%Sep 28 — IV 104% · EM ±18.5%Sep 29 — IV 119% · EM ±20.5%Sep 30 — IV 113% · EM ±18.8%Oct 01 — IV 130% · EM ±21.0%Oct 02 — IV 69% · EM ±10.8%Oct 06 — IV 139% · EM ±18.4%Oct 07 — IV 171% · EM ±21.5%Oct 08 — IV 172% · EM ±20.3%

Sector peers

NBBK
NB Bancorp, Inc.
$976M $23.03+2.9%
SMBC
Southern Missouri Bancorp, Inc.
$781M $71.90+2.0%
TCBX
Third Coast Bancshares, Inc.
$687M $39.80-2.4%
HIFS
Hingham Institution for Savings
$614M $302.79+3.3%
GCBC
Greene County Bancorp, Inc.
$582M $35.61+3.0%
HBCP
Home Bancorp, Inc.
$520M $61.44+2.7%

HFWA earnings FAQ

What is HFWA's expected move for earnings?

Options currently price a move of about ±20.3%, or $5.92 per share either way from $29.15.

How does HFWA stock usually react to earnings?

Across the last 6 reports the average next-day move was ±3.2%, up 3 times and down 3 times.

What is HFWA's implied volatility?

HFWA's at-the-money implied volatility is about 172% based on the latest options snapshot.

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