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Heritage Financial HFWA Nonaccrual with ACL

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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+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:FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance.

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 nonaccrual with ACL?
Heritage Financial (HFWA) reported nonaccrual with ACL of $2.04M in Q1 2026.
What is the long-term trend for Heritage Financial's nonaccrual with ACL?
Over 3 years (2022 to 2025), Heritage Financial's nonaccrual with ACL has grown at a 14.1% compound annual growth rate (CAGR), from $1.4M to $2.09M.
What does nonaccrual with ACL mean?
This represents the balance of loans on nonaccrual status that are specifically covered by an Allowance for Credit Losses (ACL). It highlights the portion of the portfolio where interest income recognition has ceased due to credit concerns and for which specific reserves have been allocated. This metric is essential for evaluating the adequacy of the bank's loss provisions against impaired assets.