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Heritage Financial HFWA Card revenue — Service charges, other fees and card revenue

Other product segments

Service charges and other fees
$3.37M+13.2%

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Other financials

Income statement

See full
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+55.2%
Enterprise value$946.38M+20.5%
P/E16.5×+1.5×
P/S4.5×+1.1×

Profitability

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

Returns & leverage

See full
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:RevenueFromContractWithCustomerExcludingAssessedTax.

The official record: Heritage Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Heritage Financial's card revenue — service charges, other fees and card revenue?
Heritage Financial (HFWA) reported card revenue — service charges, other fees and card revenue of $2.1M in Q1 2026.
How has Heritage Financial's card revenue — service charges, other fees and card revenue changed year-over-year?
Heritage Financial's card revenue — service charges, other fees and card revenue increased by 21.4% year-over-year, from $1.73M to $2.1M.
What is the long-term trend for Heritage Financial's card revenue — service charges, other fees and card revenue?
Over 4 years (2021 to 2025), Heritage Financial's card revenue — service charges, other fees and card revenue has grown at a -1.8% compound annual growth rate (CAGR), from $8.33M to $7.74M.
What does card revenue — service charges, other fees and card revenue mean?
This metric represents the aggregate non-interest income generated from banking service charges, account maintenance fees, and card-related transaction processing. It reflects the bank's ability to monetize customer relationships through recurring fee-based services rather than traditional interest-based lending activities. Monitoring this stream helps assess the diversification of revenue and the stability of non-interest income sources within the institution's retail and commercial banking operations.