Heritage Financial (HFWA) stock

Bank loans and deposits , market cap $1.2B

Bank loans and deposits

Worth $1.2B

$28.39

-0.87%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Above Average

In its industry

#47of 168

Banks

Checks firing

5of 14

Choppy

From 52-week high

-9.2%

under its best in a year

HFWA's Quality Score fell 1 point on Tue, Nov 10, to 11. It did not trade higher than the day before (2 chart checks stopped).

See HFWA's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

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Why HFWA beats the market

Up 32% in a year while the S&P 500 rose 12%.

“The increase in net interest income was primarily due to an increase in the net interest margin.”

Heritage Financial's Oct 22 release said

Sources: Price history, Nov 9, 2026; Company release, Oct 22, 2026

1 more reason, free with an account →4 more reasons why HFWA beats the market, from its filings, with the other side, the company's words, the timeline, and its peers, for Pro members.

Key facts on HFWA

Key facts on HFWA
The chart	Above a rising 200-day average
Latest filing	10-Q, Nov 6 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind HFWA's 11, free with an account →3 more reasons behind HFWA's 11, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

HFWA catalysts

Coming up

After its last 4 reports it closed -2.0% on average, higher 1 of 4 times.

Why HFWA scores 11

Above Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means

+5Chart checks 5 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.
Persistence adds

No effect today: Run-up, Size, Volatility, Cash flow, News, and Insider trades.

What every line is worth, and the reason behind it, on HFWA and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:56 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when HFWA's Quality Score turns up

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How HFWA ranks in Banks

HFWA is #47 of 168 by Quality Score.

How HFWA ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	HBNCHorizon Bancorp		Open for its score
	HDBHDFC Bank		Open for its score
	HOMBHome BancShares		Open for its score
	HSBCHSBC Holdings		Open for its score
47	HFWAHeritage Financial	5/14	11

Cash and short-term investments: HFWA $187M, BANR $558M.

When does HFWA report earnings, and what happens after?

Expected to report Thu Jan 21, before the open (in 72 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What HFWA reported on Oct 22, 2026

The quarter

A profit of $0.46 a share, from $0.55.

“Net interest income increased $2.4 million, or 3.3%, during the third quarter of 2026 compared to the second quarter of 2026 due to a $2.5 million increase in total interest income, offset partially by an increase in interest expense of $74,000.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

HFWA gives its mix in its presentation's charts, not in a table we read.

The outlook

No outlook figures read from this release.

In the company's words

“The increase in net interest income was primarily due to an increase in the net interest margin.”

From its results filing (SEC filing · Oct 22)

2 more sentences, for Pro members.

The numbers

Market value: $1.2B; today

No analyst estimates on Breakaway: every figure here is filed.

The whole report on HFWA: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

-4.4%-0.4%+2.2%

Apr 23Jul 23Oct 22

Reported	When	Gap	Reaction	5 days
Oct 22, 2026No time given	No time given	-0.1%	+2.2%	+1.4%
Jul 23, 2026After close	After close	+0.0%	-0.4%	-2.4%
Apr 23, 2026After close	After close	-0.6%	-4.4%	-0.7%

HFWA closed higher after 1 of its last 4 reports.

All 4 reports, and HFWA's Quality Score going into each

HFWA has 5 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on HFWA, and all 14 on every stock.Get in free →

HFWA RSI today: 49.7, above its 50-day and 200-day averages

Not scored

RSI 49.7, MACD below signal, above both averages. Not scored.13 readings

The deep dive on HFWA

What it does and how it makes money1 findingFor Pro members1 finding on what HFWA does and how it makes money, for Pro members
Where it stands2 findingsIts share count rose 20% in the year to Sep 30, 2026, and 16% in three years.Weighted shares, the quarter to Sep 30, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades HFWA, for Pro members
Against its closest peers1 peerCash and short-term investments: HFWA $187M, BANR $558M.

4 more findings on HFWA, each with its source, for Pro members.

Is HFWA's dividend covered? What its financials say

Its dividends come to 48% of its free cash flow.

HFWA's dividend against its free cash flow
Dividend	$1.00 a share a year Paid 4 times a year
Paid out	About $40.6M a year $1.00 a share on 40.6M shares, the count on its cover page as of Oct 28, 2026
Free cash flow	$84.4M The last four quarters, to Sep 30, 2026
Record	Raised each of the last 4 years Against the payout a year before, each year

HFWA insider trades

7 insiders sold $1.2M across 7 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellFrederick B. Rivera$37KDirectorat $28.57 on Sep 15, filed Sep 15

SellFrederick B. RiveraDirector$37Kat $28.57 on Sep 15, filed Sep 15

All 7 insider filings on HFWA from the last six months, for Pro members.

All HFWA insider trades

HFWA trades by Congress and the executive branch

One trade disclosed in the last six months. The newest:

SellDonald Trump$15K to $50KPresident (R)traded May 15, disclosed Jul 1(47 days later)

SellDonald TrumpPresident (R)$15K to $50Ktraded May 15, disclosed Jul 1(47 days later)

See what Congress is buying across the market

HFWA's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Bryan McDonaldPresident · no trades on file
Donald HinsonEVPand Chief Financial Officer · 1 trade
Donald HinsonEVPand Chief Financial Officer · no trades on file
Kelli Ann WilsonEVP Chief Banking Officer · 2 trades
Sabrina C. RobisonEVP Chief HR Officer · 2 trades
Tony ChalfantEVP Chief Credit Officer · 2 trades
Matthew T. RayEVP Chief Lending Officer · 1 trade
Amy E. CurranEVP Director Commercial Lend · no trades on file

12 more officers and directors file at HFWA.

See insider trades by person

About Heritage Financial

Heritage Financial Corp is a bank holding company. The company, through its subsidiary, provides commercial lending and deposit relationships with small businesses and their owners in its market areas and attracts deposits from the general public. It accepts various deposit products, such as non-interest demand accounts, money market accounts, savings accounts, and certificates of deposit. Besides, the Bank also makes real estate construction loans, land development loans, and consumer loans, and originates first mortgage loans on residential properties mainly located in its market area. Geographically, all the business activity functions through the region of the United States.

755 employeesOlympia, WAhf-wa.com

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Every line of the score
Price action, the company, and signals, each with its points, on HFWA and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
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Each date in the company's words, its cash against the date, and an optional alert before it.
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What would move HFWA's score: 6 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

BreakawayJul 1Donald Trump sold HFWA$15K to $50K, disclosed Jul 1

Alerts are optional.

See HFWA's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: HFWA's Quality Score is 11 (Above Average), #47 of 168 in Banks. Insiders sold $1.2M in the last 6 months (Form 4).

What does HFWA's Quality Score say?

HFWA scores 11 today, which Breakaway calls Above Average. It is #47 of 168 in Banks by Quality Score, with 5 of 14 chart checks firing. Up 32% in a year while the S&P 500 rose 12%. Shares: 20.0% more than a year ago (to Sep 30). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is HFWA's Quality Score?

HFWA scores 11 today, which Breakaway calls Above Average (11 to 14). That is #47 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind HFWA's 11.

Are insiders buying HFWA?

7 insiders sold $1.2M across 7 filings in the last 6 months. No open-⁠market buys on record. The newest is Frederick B. Rivera, Director, who sold $37K on Sep 15. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.