HERITAGE FINANCIAL CORP /WA/ (HFWA)
Savings Institutions, Not Federally Chartered · Financial Services · $1.2B
Intrinsic Value (Consensus)
$53.40
Current Price
$28.25
Margin of Safety
+89%
89% Below Intrinsic Value
Value: $53
Price: $28
Valuation Model Estimates
Current Price: $28.25
DCF (Discounted Cash Flow)
$97.39
Graham Number
$31.39
Earnings Power Value
$19.03
Relative Value (P/E)
$39.20
Dividend Discount Model
$80.00
Consensus Value
$53.40
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $1.96
- EPS (Forward)
- $2.35
- Book Value
- $22.34
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 7.3%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance