Profitability
Weight: 25%
D
38
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 67.3%
- Efficiency Ratio Trend +0.36 pp/yr
HFWA
Heritage Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
61
- 5yr Avg ROE 8.3%
- 5yr Share-Count CAGR -1.0%
Growth Quality
Weight: 15%
C+
58
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 6.0%
- Efficiency Ratio Trend (growth quality check) +0.36 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B-
69
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
A
90
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.2%
Stability
Weight: 10%
B+
76
- EPS Volatility (σ/μ) 0.30
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 9
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman new