Heritage Financial HFWA Effective Income Tax Rate Reconcilition, BOLI Surrender, Percent

Effective Income Tax Rate Reconcilition, BOLI Surrender, Percent at other companies

Mercantile Bank CorporationMBWM

0.7%+0.2pp

Columbia Financial, Inc.CLBK

2.5%+1.4pp

Columbia Financial, Inc.CLBK

$429.75K+35.9%

Mercantile Bank CorporationMBWM

$170.75K+29.1%

SPF

South Plains Financial, Inc.SPFI

$85.75K+5.2%

Simmons First NationalSFNC

$935.25K+19.3%

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+56.8%

Enterprise value$946.38M+22.1%

P/E16.5×+1.6×

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 hfwa:EffectiveIncomeTaxRateReconcilitionBOLISurrenderPercent.

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 effective income tax rate reconcilition, BOLI surrender, percent?: Heritage Financial (HFWA) reported effective income tax rate reconcilition, BOLI surrender, percent of 0.7% in Q4 2025.
What does effective income tax rate reconcilition, BOLI surrender, percent mean?: This metric indicates the percentage impact on the effective income tax rate resulting from the surrender or gain recognition of Bank Owned Life Insurance (BOLI) policies. It reflects the tax consequences of liquidating or adjusting BOLI assets. Investors track this to understand the volatility and tax impact of BOLI-related financial activities.