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Heritage Financial HFWA Tier 1 Well-Capitalized Requirement

Tier 1 Well-Capitalized Requirement at other companies

Tompkins Financial logo
Tompkins FinancialTMP
$518.54M+6.4%
1st Source Corporation logo
1st Source CorporationSRCE
$633.99M+0.6%
ESQ
Esquire Financial Holdings, Inc.ESQ
$150.16M+26.1%
WSFS Financial logo
WSFS FinancialWSFS
$1.29B-1.5%
Heritage Financial logo
Heritage FinancialHFWA
$446.1M-0.9%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$455.61M+5.3%

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+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:TierOneRiskBasedCapitalRequiredToBeWellCapitalized.

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 tier 1 well-capitalized requirement?
Heritage Financial (HFWA) reported tier 1 well-capitalized requirement of $446.1M in Q4 2025.
What is the long-term trend for Heritage Financial's tier 1 well-capitalized requirement?
Over 2 years (2023 to 2025), Heritage Financial's tier 1 well-capitalized requirement has grown at a 2.4% compound annual growth rate (CAGR), from $425.08M to $446.1M.
What does tier 1 well-capitalized requirement mean?
The minimum Tier 1 capital level necessary for a bank to achieve the well-capitalized regulatory designation. This metric is used to assess the bank's core capital cushion relative to the highest regulatory safety standards.