Based on the analysis of Heritage Financial's profitability, liquidity, and operating efficiency, Heritage Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Heritage Financial's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 4.6 B, whereas Short and Long Term Debt Total is forecasted to decline to about 20.7 M. Key indicators impacting Heritage Financial's financial strength include:
The financial analysis of Heritage Financial is a critical element in measuring its lifeblood. Investors should not minimize Heritage Financial's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.
Net Income
64.84 Million
Heritage
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Understanding current and past Heritage Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Heritage Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Heritage Financial's assets may result in an increase in income on the income statement.
Please note, the presentation of Heritage Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Heritage Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Heritage Financial's management manipulating its earnings.
Heritage Financial Stock Summary
Heritage Financial competes with Heritage Commerce, Horizon Bancorp, Heartland Financial, Independent Bank, and Great Southern. Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and individuals in the United States. Heritage Financial Corporation was founded in 1927 and is headquartered in Olympia, Washington. Heritage Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 790 people.
Comparative valuation techniques use various fundamental indicators to help in determining Heritage Financial's current stock value. Our valuation model uses many indicators to compare Heritage Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Heritage Financial competition to find correlations between indicators driving Heritage Financial's intrinsic value. More Info.
Heritage Financial is rated # 4 in return on equity category among its peers. It also is rated # 4 in return on asset category among its peers reporting about 0.12 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Heritage Financial is roughly 8.40 . At present, Heritage Financial's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Heritage Financial's earnings, one of the primary drivers of an investment's value.
Heritage Financial Systematic Risk
Heritage Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Heritage Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Heritage Financial correlated with the market. If Beta is less than 0 Heritage Financial generally moves in the opposite direction as compared to the market. If Heritage Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Heritage Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Heritage Financial is generally in the same direction as the market. If Beta > 1 Heritage Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Heritage Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Heritage Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Heritage Financial growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(0.52)
At present, Heritage Financial's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.
Heritage Financial November 25, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Heritage Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Heritage Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Heritage Financial based on widely used predictive technical indicators. In general, we focus on analyzing Heritage Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Heritage Financial's daily price indicators and compare them against related drivers.
When running Heritage Financial's price analysis, check to measure Heritage Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Heritage Financial is operating at the current time. Most of Heritage Financial's value examination focuses on studying past and present price action to predict the probability of Heritage Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Heritage Financial's price. Additionally, you may evaluate how the addition of Heritage Financial to your portfolios can decrease your overall portfolio volatility.
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