Profitability
Weight: 25%
C
53
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.0%
- Operating Margin Trend -7.33 pp/yr
HFWA
Heritage Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B
71
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.4%
- 5yr Share-Count CAGR -1.1%
Growth Quality
Weight: 10%
B-
66
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 12.2%
- 5yr EPS CAGR -8.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.31x
Balance Sheet
Weight: 30%
B-
66
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.2%
- Interest Coverage (EBIT/Int) 0.87x
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.30
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 new buy.
- Holders
- 1 -1
- Avg Δ position
- —
- New buys
- 1
- Full exits
- 0
- Wood new