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Heritage Financial HFWA Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$65.7MMiss by $513.0K
EPS$0.56Beat by $0.01
Revenue estimate$66.2M
EPS estimate$0.55

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$86.1M
EPS estimate$0.59

Financials

Q3 2025

Income statement

See full
Revenue$65.7M+19.9%
Net income$19.2M+67.8%
EPS (diluted)$0.55+66.7%

Balance sheet

See full
Cash & equivalents$245.5M+39.8%
Total debt$138.0M-63.9%
Total equity$904.1M+3.4%
Total assets$7.0B-2.0%

Cash flow

See full
Operating cash flow$25.1M+3.7%
CapEx$678.0K-27.9%
Free cash flow$24.4M+5.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$821.33M+9.4%
Enterprise value$713.84M-25.4%
P/E14.4×-5.6×
P/S3.5×-0.1×

Profitability

See full
Net margin24.2%+6.3pp
FCF margin35.1%+1.4pp

Returns & leverage

See full
Return on equity6.4%+2.0pp
Debt / equity0.2×-0.3×

Segments

By product

See full
Service charges and other fees$3.0M+9.3%
Card revenue$2.2M+3.5%

Versus estimates

Revenue

Q2 2026$84.1MMiss by $2.2MQ1 2026$77.9MMiss by $2.6MQ4 2025$66.3MBeat by $252.2K
Q3 2025$65.7MMiss by $513.0K
Q2 2025$56.5MMiss by $8.9MQ1 2025$57.6MMiss by $4.2M

Diluted EPS

Q2 2026$0.57Beat by $0.12Q1 2026$0.59Beat by $0.02Q4 2025$0.66Beat by $0.09
Q3 2025$0.56Beat by $0.01
Q2 2025$0.53Beat by $0.03Q1 2025$0.49Beat by $0.04

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Questions, answered.

When did Heritage Financial report Q3 2025 earnings?
Heritage Financial (HFWA) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Heritage Financial's Q3 2025 revenue and EPS?
Heritage Financial reported revenue of $65.7M and eps of $0.56 for Q3 2025.
Did Heritage Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $66.2M by $513.0K. EPS beat the consensus estimate of $0.55 by $0.01.
How did Heritage Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.9% from $54.8M a year earlier and eps grew 69.7% from $0.33.
Where can I find Heritage Financial's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001628280-25-050556) directly on SEC EDGAR. The filing index links above go to sec.gov.