Heritage Financial Valuation
| HFWA Stock | USD 26.45 0.35 1.31% |
At this time, the firm appears to be overvalued. Heritage Financial retains a regular Real Value of $21.16 per share. The prevalent price of the firm is $26.45. Our model calculates the value of Heritage Financial from evaluating the firm fundamentals such as Return On Equity of 0.0445, return on asset of 0.0053, and Current Valuation of 1.13 B as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Heritage Financial's valuation include:
Price Book 1.0467 | Enterprise Value 1.1 B | Price Sales 4.4286 | Forward PE 14.4928 | Trailing PE 24.4907 |
Overvalued
Today
Please note that Heritage Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Heritage Financial is based on 3 months time horizon. Increasing Heritage Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Heritage Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Heritage Stock. However, Heritage Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 26.45 | Real 21.16 | Target 20.8 | Hype 26.45 | Naive 25.93 |
The real value of Heritage Stock, also known as its intrinsic value, is the underlying worth of Heritage Financial Company, which is reflected in its stock price. It is based on Heritage Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Heritage Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Heritage Financial helps investors to forecast how Heritage stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Heritage Financial more accurately as focusing exclusively on Heritage Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Heritage Financial's intrinsic value based on its ongoing forecasts of Heritage Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Heritage Financial's closest peers. If more than one evaluation category is relevant for Heritage Financial we suggest using both methods to arrive at a better estimate.
Heritage Financial Cash |
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Heritage Valuation Trend
Comparing Heritage Financial's enterprise value against its market capitalization is a good way to estimate the value of Heritage Financial uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Heritage Revenue by Product
Heritage Financial Total Value Analysis
Heritage Financial is currently anticipated to have valuation of 1.13 B with market capitalization of 903.36 M, debt of 21.77 M, and cash on hands of 407.32 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Heritage Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.13 B | 903.36 M | 21.77 M | 407.32 M |
Heritage Financial Investor Information
About 83.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.05. Some equities with similar Price to Book (P/B) outperform the market in the long run. Heritage Financial has Price/Earnings To Growth (PEG) ratio of 2.13. The entity last dividend was issued on the 6th of November 2024. The firm had 21:20 split on the 28th of September 2005. Based on the analysis of Heritage Financial's profitability, liquidity, and operating efficiency, Heritage Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.33 | 0.3044 |
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| Total Cash From Operating Activities | 115 M | 109.5 M |
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| Operating Income | 37.2 M | 72.9 M |
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Heritage Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Heritage suggests not a very effective usage of assets in November.Heritage Financial Ownership Allocation
Heritage Financial has a total of 34.15 Million outstanding shares. The majority of Heritage Financial outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Heritage Financial to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Heritage Financial. Please pay attention to any change in the institutional holdings of Heritage Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Heritage Financial Profitability Analysis
The company reported the previous year's revenue of 239.54 M. Net Income was 61.76 M with profit before overhead, payroll, taxes, and interest of 249.4 M.Heritage Financial Past Distributions to stockholders
| 20th of November 2024 | ||
| 21st of August 2024 | ||
| 22nd of May 2024 | ||
| 22nd of February 2024 | ||
| 12th of February 2024 | ||
| 15th of November 2023 | ||
| 16th of August 2023 | ||
| 18th of May 2023 | ||
| 22nd of February 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Heritage Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Heritage Financial and how it compares across the competition.
About Heritage Financial Valuation
The stock valuation mechanism determines Heritage Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Heritage Financial. We calculate exposure to Heritage Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Heritage Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 239.5 M | 251.5 M | |
| Pretax Profit Margin | 0.30 | 0.33 | |
| Operating Profit Margin | 0.30 | 0.33 | |
| Net Profit Margin | 0.26 | 0.18 |
Heritage Financial Quarterly Retained Earnings |
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A single share of Heritage Financial represents a small ownership stake in the entity. As a stockholder of Heritage, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Heritage Financial Dividends Analysis For Valuation
The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 2.93, whereas Dividends Paid is projected to grow to (29.3 M). . At present, Heritage Financial's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings Total Equity is expected to grow to about 417 M, whereas Earning Assets are forecasted to decline to about 1 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -30.8 M | -29.3 M | |
| Dividend Yield | 0.04 | 0.02 | |
| Dividend Payout Ratio | 0.50 | 0.46 | |
| Dividend Paid And Capex Coverage Ratio | 2.66 | 2.93 |
There are various types of dividends Heritage Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Heritage shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Heritage Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Heritage pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Heritage Financial by the value of the dividends paid out.
Heritage Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 35.3 M | |
| Quarterly Earnings Growth Y O Y | -0.353 | |
| Forward Price Earnings | 14.4928 |
Heritage Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Heritage Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Heritage we look at many different elements of the entity such as Heritage's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Heritage Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Heritage Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Heritage Financial's worth.Complementary Tools for Heritage Stock analysis
When running Heritage Financial's price analysis, check to measure Heritage Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Heritage Financial is operating at the current time. Most of Heritage Financial's value examination focuses on studying past and present price action to predict the probability of Heritage Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Heritage Financial's price. Additionally, you may evaluate how the addition of Heritage Financial to your portfolios can decrease your overall portfolio volatility.
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