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Heritage Financial HFWA Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$66.3MBeat by $252.2K
EPS$0.66Beat by $0.09
Revenue estimate$66.1M
EPS estimate$0.57

Next report

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

Financials

Q4 2025

Income statement

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Revenue$66.3M+16.3%
Net income$22.2M+86.4%
EPS (diluted)$0.65+91.2%

Balance sheet

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Cash & equivalents$233.1M+99.1%
Total debt$62.4M-92.1%
Total equity$921.5M+6.7%
Total assets$7.0B-2.0%

Cash flow

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Operating cash flow$28.0M+35.7%
CapEx$5.7M+612%
Free cash flow$22.3M+12.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$803.08M-4.0%
Enterprise value$632.37M-58.1%
P/E11.9×-7.5×
P/S3.3×-0.6×

Profitability

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Net margin27.4%+7.5pp
FCF margin34.8%+6.7pp

Returns & leverage

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Return on equity7.6%+2.5pp
Debt / equity0.1×-0.8×

Segments

By product

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Service charges and other fees$3.1M+5.5%
Card revenue$1.8M-3.1%

FAQ

When did Heritage Financial report Q4 2025 earnings?
Heritage Financial (HFWA) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Heritage Financial's Q4 2025 revenue and EPS?
Heritage Financial reported revenue of $66.3M and eps of $0.66 for Q4 2025.
Did Heritage Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $66.1M by $252.2K. EPS beat the consensus estimate of $0.57 by $0.09.
How did Heritage Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.3% from $57.1M a year earlier and eps grew 29.4% from $0.51.
Where can I find Heritage Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003011) and the 10-K periodic report (0001628280-26-012703) directly on SEC EDGAR. The filing index links above go to sec.gov.