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Year four at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$479.22M-74.7%
National Bank Holdings logo
National Bank HoldingsNBHC
$812.1M-54.2%
Customers Bancorp logo
Customers BancorpCUBI

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 / equity-0.3×

Where this comes from

Reported directly by Heritage Financial in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

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 year four?
Heritage Financial (HFWA) reported year four of $598.01M in Q1 2026.
How has Heritage Financial's year four changed year-over-year?
Heritage Financial's year four decreased by 31.3% year-over-year, from $870.8M to $598.01M.
What is the long-term trend for Heritage Financial's year four?
Over 3 years (2022 to 2025), Heritage Financial's year four has grown at a 12.2% compound annual growth rate (CAGR), from $543.91M to $768.86M.
What does year four mean?
This represents the portion of the financing receivable portfolio scheduled to mature or be repaid during the fourth year. It provides insight into the long-term composition of the loan book and the bank's exposure to extended credit cycles. This metric is used by analysts to assess the bank's structural liquidity and the stability of its long-term revenue streams.