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Heritage Financial HFWA Common Equity Tier One Capital Ratio

Common Equity Tier One Capital Ratio at other companies

Wintrust Financial logo
Wintrust FinancialWTFC
$0.1+4.0%
Bankwell Financial Group logo
Bankwell Financial GroupBWFG
11.7%-0.5pp
International Bancshares logo
International BancsharesIBOC
23.6%+0.3pp
First Busey Corporation logo
First Busey CorporationBUSE
12.5%+0.3pp
Heritage Financial logo
Heritage FinancialHFWA
$0.13+5.8%
Princeton Bancorp, Inc. logo
Princeton Bancorp, Inc.BPRN
$0.13+5.2%

Other financials

Income statement

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Revenue$84.1M+48.9%
Net income$17.5M+43.6%
EPS (diluted)$0.42+16.7%

Balance sheet

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Cash & equivalents$204.4M-19.6%
Total debt$166.3M-36.8%
Total equity$1.1B+24.9%
Total assets$8.4B+19.2%

Cash flow

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Operating cash flow$23.1M+2.5%
CapEx$2.0M+24.7%
Free cash flow$21.1M+0.9%

Valuation

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Market cap$1.23B+61.4%
Enterprise value$1.19B+54.5%
P/E15.8×+0.4×
P/S4.2×+0.8×

Profitability

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Net margin26.5%+4.6pp
FCF margin27.3%-9.0pp

Returns & leverage

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Return on equity7.8%+2.1pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by Heritage Financial in its filing.

Tagged under the XBRL concept us-gaap:CommonEquityTierOneCapitalRatio.

The source filing: Heritage Financial’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 2:11 PM EST
Fiscal year
FY2025
Accession
0001628280-26-012703

Maintain a strong balance sheet. In addition to our focus on underwriting, we believe the strength of our balance sheet provides us with the flexibility to manage through a variety of scenarios including additional growth-related activities. As of December 31, 2025, our on-balance sheet liquidity position was $233.1 million in cash and cash equivalents and $1.28 billion in total investment securities. See also Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations — Liquidity and Capital Resources of this Form 10-K. As of December 31, 2025, the regulatory capital ratios of the Bank were in excess of the levels required for “well-capitalized” status, and our consolidated common equity tier 1 capital ratio, leverage ratio, Tier 1 capital ratio, and total capital ratio were 12.7%, 10.8%, 13.1% and 14.1%, respectively.

ITEM 1. BUSINESS

FAQ

What is Heritage Financial's common equity tier one capital ratio?
Heritage Financial (HFWA) reported common equity tier one capital ratio of $0.13 in Q4 2025.
How has Heritage Financial's common equity tier one capital ratio changed year-over-year?
Heritage Financial's common equity tier one capital ratio increased by 5.8% year-over-year, from $0.12 to $0.13.
What is the long-term trend for Heritage Financial's common equity tier one capital ratio?
Over 5 years (2020 to 2025), Heritage Financial's common equity tier one capital ratio has grown at a 0.6% compound annual growth rate (CAGR), from $0.12 to $0.13.
What does common equity tier one capital ratio mean?
Common Equity Tier One Capital Ratio as reported by Heritage Financial Corp.

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