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Heritage Financial (HFWA) guidance and outlook
Heritage Financial's 10-Q filed Nov 6, 2026 makes 5 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 6, 2026
- Management believes that the ACL on loans reflects the amount that is appropriate to provide for current expected credit losses in our loan portfolio based on the CECL methodology.
- Net income is also impacted by our ability to execute our strategic plan to grow the Company through organic growth or acquisitions.
- Payments of future cash dividends, if any, will be at the discretion of our Board after taking into account various factors, including our business, operating results and financial condition, capital requirements, current and anticipated cash needs, plans for expansion, any legal or contractual limitation on our ability to pay dividends and other relevant factors.
- While maturities and scheduled amortization of loans are a predictable source of funds, deposit flows and loan prepayments are greatly influenced by the level of interest rates, economic conditions and competition so we adhere to internal management targets assigned to the loan to deposit ratio, liquidity ratio, net short-term non-core funding ratio and non-core liabilities to total assets ratio to ensure an…
- The Company believes presenting loan yield and net interest margin excluding the effect of discount accretion on purchased loans is useful in assessing the impact of acquisition accounting on loan yield as the effect of loan discount accretion is expected to decrease as the acquired loans mature or roll off our balance sheet.
Heritage Financial's latest quarter
Heritage Financial, Q3 2026: revenue $86.5M (+32% year over year), operating margin 25.8%, net earnings $18.7M, operating cash flow $30.5M. The chart follows the revenue to costs, profit and cash.
Questions
What does Heritage Financial expect?
Management believes that the ACL on loans reflects the amount that is appropriate to provide for current expected credit losses in our loan portfolio based on the CECL methodology. Net income is also impacted by our ability to execute our strategic plan to grow the Company through organic growth or acquisitions. Payments of future cash dividends, if any, will be at the discretion of our Board after taking into account various factors, including our business, operating results and financial condition, capital requirements, current and anticipated cash needs, plans for expansion, any legal or co
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.