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Year five at other companies

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$168.54M-30.6%
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$1.51B+40.9%
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Capital BancorpCBNK
$385.95M+47.6%
Customers Bancorp logo
Customers BancorpCUBI
$2.75B+161%

Other financials

Income statement

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Revenue$84.1M+48.9%
Net income$17.5M+43.6%
EPS (diluted)$0.42+16.7%

Balance sheet

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Cash & equivalents$204.4M-19.6%
Total debt$166.3M-36.8%
Total equity$1.1B+24.9%
Total assets$8.4B+19.2%

Cash flow

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Operating cash flow$23.1M+2.5%
CapEx$2.0M+24.7%
Free cash flow$21.1M+0.9%

Valuation

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Market cap$1.21B+57.9%
Enterprise value$1.17B+51.1%
P/E15.6×0.0×
P/S4.1×+0.7×

Profitability

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Net margin26.5%+4.6pp
FCF margin27.3%-9.0pp

Returns & leverage

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Return on equity7.8%+2.1pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by Heritage Financial in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear.

The source filing: Heritage Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:44 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054673
Line itemTerm Loans Amortized Cost Basis by Origination Year / 2026Term Loans Amortized Cost Basis by Origination Year / 2025Term Loans Amortized Cost Basis by Origination Year / 2024Term Loans Amortized Cost Basis by Origination Year / 2023Term Loans Amortized Cost Basis by Origination Year / 2022Term Loans Amortized Cost Basis by Origination Year / PriorRevolving LoansRevolving Loans Converted(1)Loans Receivable
Pass5013,7321,1671,7543,43315,880185,0161,420212,903
SS227952942843321,232
Total5013,7321,1671,9813,52816,174185,3001,752214,135
Loans receivable
Pass241,266716,578646,123561,185888,8922,101,036350,77511,3345,517,189
SM681,0098,81313,5386,26380,66114,534222125,108
SS7151,4263,15723,72213,44851,97310,671332105,444
Total$242,049$719,013$658,093$598,445$908,603$2,233,670$375,980$11,888$5,747,741

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Heritage Financial's year five?
Heritage Financial (HFWA) reported year five of $908.6M in Q2 2026.
How has Heritage Financial's year five changed year-over-year?
Heritage Financial's year five increased by 52.3% year-over-year, from $596.4M to $908.6M.
What is the long-term trend for Heritage Financial's year five?
Over 3 years (2022 to 2025), Heritage Financial's year five has grown at a 29.1% compound annual growth rate (CAGR), from $252.54M to $542.98M.
What does year five mean?
This represents the portion of financing receivables scheduled to mature or be collected in the fifth year from the reporting date. It provides insight into the long-term liquidity profile and the duration of the bank's loan portfolio. Investors use this to assess the timing of cash inflows and interest rate sensitivity over a five-year horizon.

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