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Heritage Financial HFWA Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$56.5MMiss by $8.9M
EPS$0.53Beat by $0.03
Revenue estimate$65.4M
EPS estimate$0.50

Next report

Oct 22, 2026 (in a month)
Revenue estimate$86.1M
EPS estimate$0.49

Financials

Q2 2025

Income statement

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Revenue$56.5M+0.3%
Net income$12.2M-13.7%
EPS (diluted)$0.36-12.2%

Balance sheet

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Cash & equivalents$254.1M+123%
Total debt$263.2M-47.4%
Total equity$888.2M+4.4%
Total assets$7.1B+0.2%

Cash flow

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Operating cash flow$22.5M+232%
CapEx$1.6M+94.2%
Free cash flow$20.9M+250%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$804.21M+28.6%
Enterprise value$813.31M-19.6%
P/E16.3×+2.2×
P/S3.6×+0.7×

Profitability

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Net margin21.9%+1.5pp
FCF margin36.3%+1.8pp

Returns & leverage

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Return on equity5.7%+0.4pp
Debt / equity0.3×-0.3×

Segments

By product

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Service charges and other fees$2.9M+4.1%
Card revenue$2.0M+4.0%

FAQ

When did Heritage Financial report Q2 2025 earnings?
Heritage Financial (HFWA) reported Q2 2025 earnings on July 24, 2025 before market open.
What were Heritage Financial's Q2 2025 revenue and EPS?
Heritage Financial reported revenue of $56.5M and eps of $0.53 for Q2 2025.
Did Heritage Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $65.4M by $8.9M. EPS beat the consensus estimate of $0.50 by $0.03.
How did Heritage Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 0.3% from $56.4M a year earlier and eps grew 29.3% from $0.41.
Where can I find Heritage Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001046025-25-000144) and the 10-Q periodic report (0001046025-25-000146) directly on SEC EDGAR. The filing index links above go to sec.gov.