Heritage Financial Stock Buy Hold or Sell Recommendation
| HFWA Stock | USD 26.79 0.01 0.04% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Heritage Financial is 'Strong Hold'. Macroaxis provides Heritage Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding HFWA positions.
Check out Heritage Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Heritage Stock refer to our How to Trade Heritage Stock guide. In addition, we conduct extensive research on individual companies such as Heritage and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Heritage Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.
Heritage |
Execute Heritage Financial Buy or Sell Advice
The Heritage recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Heritage Financial. Macroaxis does not own or have any residual interests in Heritage Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Heritage Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | OK | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Heritage Financial Trading Alerts and Improvement Suggestions
| Heritage Financial has a strong financial position based on the latest SEC filings | |
| Over 83.0% of the company shares are owned by institutional investors | |
| On 20th of November 2024 Heritage Financial paid $ 0.23 per share dividend to its current shareholders | |
| Latest headline from businesswire.com: AM Best Downgrades Issuer Credit Rating of Gleaner Life Insurance Society Maintains Under Review With Developing Implications Status on Credit Ratings |
Heritage Financial Returns Distribution Density
The distribution of Heritage Financial's historical returns is an attempt to chart the uncertainty of Heritage Financial's future price movements. The chart of the probability distribution of Heritage Financial daily returns describes the distribution of returns around its average expected value. We use Heritage Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Heritage Financial returns is essential to provide solid investment advice for Heritage Financial.
| Mean Return | 0.28 | Value At Risk | -2.26 | Potential Upside | 3.20 | Standard Deviation | 2.60 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Heritage Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Heritage Stock Institutional Investors
| Shares | Goldman Sachs Group Inc | 2024-06-30 | 460.8 K | Northern Trust Corp | 2024-09-30 | 427.5 K | Aqr Capital Management Llc | 2024-06-30 | 365.5 K | Manufacturers Life Insurance Co | 2024-09-30 | 335.3 K | Proshare Advisors Llc | 2024-09-30 | 327.7 K | Lord, Abbett & Co Llc | 2024-09-30 | 320.3 K | Hotchkis & Wiley Capital Management Llc | 2024-09-30 | 311.1 K | Renaissance Technologies Corp | 2024-09-30 | 296 K | American Century Companies Inc | 2024-09-30 | 292.9 K | Blackrock Inc | 2024-06-30 | 5 M | Vanguard Group Inc | 2024-09-30 | 2.5 M |
Heritage Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 66.7M | 514.8M | 980.0M | (1.6B) | 121.4M | 127.5M | |
| Free Cash Flow | 74.6M | 63.3M | 66.5M | 90.4M | 99.1M | 104.1M | |
| Depreciation | 12.2M | (87K) | (18.6M) | 3.1M | 5.6M | 4.8M | |
| Other Non Cash Items | (3.7M) | 1.1M | (13.5M) | 5.7M | 37.8M | 39.7M | |
| Dividends Paid | 30.9M | 28.9M | 28.9M | 29.5M | 30.8M | 32.4M | |
| Capital Expenditures | 13.0M | 7.0M | 3.0M | 4.0M | 10.4M | 10.9M | |
| Net Income | 67.6M | 46.6M | 98.0M | 81.9M | 61.8M | 64.8M | |
| End Period Cash Flow | 228.6M | 743.3M | 1.7B | 103.6M | 225.0M | 192.1M | |
| Investments | (105.5M) | (533.5M) | 156.7M | (1.2B) | (93.4M) | (98.1M) | |
| Change Receivables | 11.6M | 10.2M | 5.7M | (11.2M) | (10.0M) | (9.5M) | |
| Net Borrowings | (11.3M) | 15.5M | 15.2M | (4.2M) | (3.8M) | (3.6M) | |
| Change To Netincome | 1.2M | 34.3M | (24.8M) | 10.0M | 11.5M | 12.0M |
Heritage Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Heritage Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Heritage Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Heritage stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.01 | |
β | Beta against Dow Jones | 2.20 | |
σ | Overall volatility | 2.60 | |
Ir | Information ratio | 0.06 |
Heritage Financial Volatility Alert
Heritage Financial currently demonstrates below-average downside deviation. It has Information Ratio of 0.06 and Jensen Alpha of 0.01. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Heritage Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Heritage Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Heritage Financial Fundamentals Vs Peers
Comparing Heritage Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Heritage Financial's direct or indirect competition across all of the common fundamentals between Heritage Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Heritage Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Heritage Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Heritage Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Heritage Financial to competition |
| Fundamentals | Heritage Financial | Peer Average |
| Return On Equity | 0.0445 | -0.31 |
| Return On Asset | 0.0053 | -0.14 |
| Profit Margin | 0.18 % | (1.27) % |
| Operating Margin | 0.27 % | (5.51) % |
| Current Valuation | 1.14 B | 16.62 B |
| Shares Outstanding | 34.15 M | 571.82 M |
| Shares Owned By Insiders | 1.91 % | 10.09 % |
| Shares Owned By Institutions | 82.80 % | 39.21 % |
| Number Of Shares Shorted | 367.66 K | 4.71 M |
| Price To Earning | 19.94 X | 28.72 X |
| Price To Book | 1.03 X | 9.51 X |
| Price To Sales | 4.48 X | 11.42 X |
| Revenue | 239.54 M | 9.43 B |
| Gross Profit | 249.4 M | 27.38 B |
| EBITDA | 78.52 M | 3.9 B |
| Net Income | 61.76 M | 570.98 M |
| Cash And Equivalents | 407.32 M | 2.7 B |
| Cash Per Share | 11.60 X | 5.01 X |
| Total Debt | 21.77 M | 5.32 B |
| Debt To Equity | 0.04 % | 48.70 % |
| Book Value Per Share | 25.61 X | 1.93 K |
| Cash Flow From Operations | 109.52 M | 971.22 M |
| Short Ratio | 2.73 X | 4.00 X |
| Earnings Per Share | 1.08 X | 3.12 X |
| Price To Earnings To Growth | 2.13 X | 4.89 X |
| Target Price | 25.4 | |
| Number Of Employees | 749 | 18.84 K |
| Beta | 0.52 | -0.15 |
| Market Capitalization | 914.63 M | 19.03 B |
| Total Asset | 7.17 B | 29.47 B |
| Retained Earnings | 375.99 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 2.77 % |
Note: Acquisition by Chalfant Tony of 558 shares of Heritage Financial at 18.38 subject to Rule 16b-3 [view details]
Heritage Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Heritage . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 6038.04 | |||
| Daily Balance Of Power | 0.0137 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 26.88 | |||
| Day Typical Price | 26.85 | |||
| Price Action Indicator | (0.08) | |||
| Period Momentum Indicator | 0.01 |
About Heritage Financial Buy or Sell Advice
When is the right time to buy or sell Heritage Financial? Buying financial instruments such as Heritage Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having Heritage Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Companies specializing in air services and air delivery. The Air theme has 42 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Air Theme or any other thematic opportunities.
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Check out Heritage Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Heritage Stock refer to our How to Trade Heritage Stock guide.You can also try the USA ETFs module to find actively traded Exchange Traded Funds (ETF) in USA.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heritage Financial. If investors know Heritage will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heritage Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.35) | Dividend Share 0.91 | Earnings Share 1.08 | Revenue Per Share 5.885 | Quarterly Revenue Growth (0.17) |
The market value of Heritage Financial is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Financial's value that differs from its market value or its book value, called intrinsic value, which is Heritage Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heritage Financial's market value can be influenced by many factors that don't directly affect Heritage Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heritage Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.