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Heritage Financial HFWA Debt Instrument - Effective Interest Rate

Debt Instrument - Effective Interest Rate at other companies

Heritage Financial logo
Heritage FinancialHFWA
5.5%-0.6pp
HRO
HarrowHROW
9.2%-1.5pp
Citigroup logo
CitigroupC
4.4%0.0pp
Service Corporation International logo
Service Corporation InternationalSCI
5.4%-1.0pp
Essential Utilities logo
Essential UtilitiesWTRG
4.1%+0.1pp
Paccar logo
PaccarPCAR
12.2%+0.7pp

Other financials

Income statement

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Revenue$77.9M+35.3%
Net income$18.9M+36.2%
EPS (diluted)$0.48+20.0%

Balance sheet

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Cash & equivalents$268.1M+7.8%
Total debt$20.0M-92.4%
Total equity$1.1B+26.6%
Total assets$8.5B+19.2%

Cash flow

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Operating cash flow$14.0M-27.4%
CapEx$1.3M+11.2%
Free cash flow$12.7M-29.9%

Valuation

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Market cap$1.19B+29.3%
Enterprise value$946.38M-2.5%
P/E16.5×-1.5×
P/S4.5×+0.4×

Profitability

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Net margin27.2%+4.5pp
FCF margin30.1%+0.4pp

Returns & leverage

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Return on equity7.3%+1.3pp
Debt / equity0×-0.3×

Where this comes from

Reported directly by Heritage Financial in its filing.

Tagged under the XBRL concept us-gaap:DebtInstrumentInterestRateEffectivePercentage.

The official record: Heritage Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Heritage Financial's debt instrument - effective interest rate?
Heritage Financial (HFWA) reported debt instrument - effective interest rate of 5.5% in Q4 2025.
What is the long-term trend for Heritage Financial's debt instrument - effective interest rate?
Over 2 years (2023 to 2025), Heritage Financial's debt instrument - effective interest rate has grown at a -12.3% compound annual growth rate (CAGR), from 7.2% to 5.5%.
What does debt instrument - effective interest rate mean?
The actual interest rate paid on debt instruments, accounting for the amortization of any premiums, discounts, or issuance costs. This metric provides a more accurate reflection of the true cost of borrowing compared to the nominal coupon rate.