Heritage Financial Corporation cash flow to debt ratio of 223.89% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Heritage Financial Corporation's free cash flow has increased 40.38% from $61.02M last year to $85.66M, signaling increasing performance

Heritage Financial Corporation's debt to equity ratio is 0.17, which means that the company's assets are healthy financed, signaling financial stability.

Heritage Financial Corporation's debt has decreased relative to shareholder equity from 0.47 last year to 0.17 today, signaling strengthened financials

Heritage Financial Corporation has a net cash position, so leverage is healthy.

Heritage Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Heritage Financial Corporation's profit margin has increased (69.86%) in the last year from 13.64% to 23.17%, signaling increasing performance

Heritage Financial Corporation's short-term assets of $5.41B exceed its short-term liabilities of $4.58B

Heritage Financial Corporation's return on assets of 0.92% is lower than the 5.00% threshold, indicating inefficient asset utilization

Heritage Financial Corporation's return on equity of 7.69%, is lower than 15.00%, indicating bad performance

Heritage Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Heritage Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Heritage Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Heritage Financial Corporation has a free cash flow yield of 7.07%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Heritage Financial Corporation's yearly earnings has increased 56.11% since last year from $43.26M to $67.53M, signaling increasing performance

Heritage Financial Corporation's yearly revenue has increased 5.92% since last year from $317.19M to $335.97M, signaling increasing performance

ROIC 0.48% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Heritage Financial Corporation's 3-year revenue CAGR of 9.34% is positive, indicating growing revenue over the past 3 years

Heritage Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Heritage Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Heritage Financial Corporation is undervalued relative to its fair value price of 38.65 based on Discounted Cash Flow model

Heritage Financial Corporation has an earnings yield of 6.64%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Heritage Financial Corporation is overvalued relative to its fair value price of 16.70 based on EBITDA multiple model

Heritage Financial Corporation has an EV/EBITDA ratio of 7.46x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Heritage Financial Corporation is undervalued relative to its fair value price of 39.70 based on Earnings Fair Value model

Heritage Financial Corporation has a PEG-ratio over 1 which is considered overvalued

Heritage Financial Corporation has a price-to-book ratio of 1.06x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Heritage Financial Corporation has a price-to-sales ratio of 3.49x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue