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Heritage Financial (HFWA) Ratios
Heritage Financial Ratios
HFWA's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, HFWA's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.18 | 0.16 | 0.25 | 0.28 | 0.43 |
| Quick Ratio | 1.18 | 0.16 | 0.25 | 0.28 | 0.43 |
| Cash Ratio | 0.01 | 0.02 | 0.04 | 0.02 | 0.26 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 4.74 | 0.00 | 0.00 | 2.03 | 1.37 |
| Net Current Asset Value | $ -635.77M | $ -5.34B | $ -4.94B | $ -4.43B | $ -3.76B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.06 | 0.07 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.05 | 0.47 | 0.61 | 0.09 | 0.08 |
| Debt-to-Capital Ratio | 0.04 | 0.32 | 0.38 | 0.08 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.02 | 0.32 | 0.38 | 0.03 | 0.02 |
| Financial Leverage Ratio | 7.56 | 8.23 | 8.41 | 8.75 | 8.70 |
| Debt Service Coverage Ratio | 0.63 | 0.46 | 1.14 | 1.55 | 1.37 |
| Interest Coverage Ratio | 0.87 | 0.52 | 1.23 | 12.32 | 17.11 |
| Debt to Market Cap | 0.05 | 0.48 | 0.69 | 0.06 | 0.08 |
| Interest Debt Per Share | 3.89 | 14.66 | 16.38 | 2.17 | 2.22 |
| Net Debt to EBITDA | -0.13 | 5.19 | 3.78 | -0.35 | -16.21 |
| Profitability Margins | |||||
| Gross Profit Margin | 72.43% | 66.38% | 79.02% | 97.41% | 109.02% |
| EBIT Margin | 23.15% | 16.48% | 24.05% | 38.68% | 48.60% |
| EBITDA Margin | 23.79% | 17.49% | 25.90% | 39.89% | 41.17% |
| Operating Profit Margin | 23.15% | 16.48% | 24.05% | 38.68% | 48.70% |
| Pretax Profit Margin | 23.40% | 16.48% | 24.05% | 38.68% | 48.70% |
| Net Profit Margin | 20.10% | 13.64% | 20.37% | 31.85% | 39.62% |
| Continuous Operations Profit Margin | 20.10% | 13.64% | 20.37% | 31.85% | 39.62% |
| Net Income Per EBT | 85.92% | 82.78% | 84.69% | 82.34% | 81.35% |
| EBT Per EBIT | 101.05% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.97% | 0.61% | 0.86% | 1.17% | 1.32% |
| Return on Equity (ROE) | 7.33% | 5.01% | 7.24% | 10.26% | 11.47% |
| Return on Capital Employed (ROCE) | 3.26% | 3.68% | 4.63% | 12.14% | 13.76% |
| Return on Invested Capital (ROIC) | 5.72% | 3.04% | 3.92% | 9.45% | 10.58% |
| Return on Tangible Assets | 1.00% | 0.63% | 0.89% | 1.22% | 1.37% |
| Earnings Yield | 8.41% | 5.12% | 8.14% | 7.61% | 11.24% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.07 | 16.28 | 15.53 | 13.86 | 16.88 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.50 | 4.43 | 4.05 | 3.34 | 3.12 |
| Asset Turnover | 0.05 | 0.04 | 0.04 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.17 | -0.07 | -0.07 | -0.06 | -0.06 |
| Cash Conversion Cycle | 5160.42 | 22.42 | 23.50 | 26.34 | 21.62 |
| Days of Sales Outstanding | 5160.42 | 22.42 | 23.50 | 26.34 | 21.62 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 5160.42 | 22.42 | 23.50 | 26.34 | 21.62 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.79 | 1.87 | 3.09 | 2.69 | 1.95 |
| Free Cash Flow Per Share | 2.52 | 1.77 | 2.79 | 2.58 | 1.86 |
| Dividend Paid and CapEx Coverage Ratio | 2.27 | 1.83 | 2.66 | 2.82 | 2.18 |
| Capital Expenditure Coverage Ratio | 10.36 | 18.64 | 10.56 | 23.52 | 23.04 |
| Operating Cash Flow Coverage Ratio | 2.24 | 0.16 | 0.21 | 1.39 | 0.97 |
| Operating Cash Flow to Sales Ratio | 0.28 | 0.20 | 0.36 | 0.37 | 0.28 |
| Free Cash Flow Yield | 10.67% | 7.23% | 13.06% | 8.41% | 7.63% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.88 | 19.44 | 12.29 | 13.14 | 8.89 |
| Price-to-Sales (P/S) Ratio | 2.39 | 2.66 | 2.50 | 4.18 | 3.52 |
| Price-to-Book (P/B) Ratio | 0.87 | 0.98 | 0.89 | 1.35 | 1.02 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.38 | 13.84 | 7.65 | 11.89 | 13.11 |
| Price-to-Operating Cash Flow Ratio | 8.47 | 13.09 | 6.93 | 11.39 | 12.54 |
| Price-to-Earnings Growth (PEG) Ratio | 0.21 | -0.68 | -0.50 | -0.86 | 0.08 |
| Enterprise Value Multiple | 9.92 | 20.41 | 13.45 | 10.14 | -7.65 |
| Enterprise Value | 792.87M | 1.13B | 1.06B | 1.04B | -779.30M |
| EV to EBITDA | 9.92 | 20.41 | 13.45 | 10.14 | -7.65 |
| EV to Sales | 2.36 | 3.57 | 3.48 | 4.05 | -3.15 |
| EV to Free Cash Flow | 9.26 | 18.56 | 10.65 | 11.50 | -11.72 |
| EV to Operating Cash Flow | 8.36 | 17.56 | 9.64 | 11.01 | -11.21 |
| Tangible Book Value Per Share | 19.98 | 17.97 | 17.12 | 15.66 | 16.92 |
| Shareholders’ Equity Per Share | 27.14 | 25.06 | 24.05 | 22.73 | 23.95 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.14 | 0.17 | 0.15 | 0.18 | 0.19 |
| Revenue Per Share | 9.89 | 9.20 | 8.54 | 7.32 | 6.94 |
| Net Income Per Share | 1.99 | 1.26 | 1.74 | 2.33 | 2.75 |
| Tax Burden | 0.86 | 0.83 | 0.85 | 0.82 | 0.81 |
| Interest Burden | 1.01 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.36 | 0.32 | 0.34 | 0.37 | 0.37 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.40 | 1.49 | 1.77 | 1.15 | 0.71 |
Currency in USD
