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Heritage Financial HFWA Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

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OceanFirst FinancialOCFC
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Customers Bancorp logo
Customers BancorpCUBI
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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+55.2%
Enterprise value$946.38M+20.5%
P/E16.5×+1.5×
P/S4.5×+1.1×

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:LoansAndLeasesReceivableImpairedCommitmentToLend.

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 off-balance sheet commitments (contractual)?
Heritage Financial (HFWA) reported off-balance sheet commitments (contractual) of $2.1M in Q1 2026.
How has Heritage Financial's off-balance sheet commitments (contractual) changed year-over-year?
Heritage Financial's off-balance sheet commitments (contractual) decreased by 70.4% year-over-year, from $7.1M to $2.1M.
What is the long-term trend for Heritage Financial's off-balance sheet commitments (contractual)?
Over 5 years (2020 to 2025), Heritage Financial's off-balance sheet commitments (contractual) has grown at a -63.6% compound annual growth rate (CAGR), from $1.11B to $7.1M.
What does off-balance sheet commitments (contractual) mean?
This represents the total contractual amount of lending commitments, such as unused lines of credit or letters of credit, that are not currently recorded on the balance sheet. These commitments represent potential future funding obligations for the bank. It is a key metric for assessing liquidity risk and the bank's capacity to meet future credit demand.