HFWA

Heritage FinancialC

Nasdaq / Banks

At close

2026-08-01

Current thesis

The strongest upside case is that NIM expansion and September systems conversion unlock cost savings after merger expenses normalize. Improved margin, stable credit quality, and a solid loan pipeline could support earnings growth.

Posture

Mixed

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +3.1.

What can break

Deposit balances declined $210 million, including seasonal tax outflows and the withdrawal of a large short-term relationship.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $32.50 · Bull $35.00 · Bear $26.50

Data freshness

Prices

As of 2026-08-01

Fundamentals

As of 2026-07-31 • Vendor: Data Vendor v1

Scores

As of 2026-08-01 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-28 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-08-01

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $33.00

Why

Momentum52 · Δ7d -1.6

Value52 · Δ7d +0.5

Sentiment55 · Δ7d +3.1

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Sentiment · See AI snapshot

Momentum

10% active weight

Current posture

7d trendImproving

Δ7d

-1.6

Δ21d

+6.0

Value

40% active weight

Current posture

7d trendFlat

Δ7d

+0.5

Δ21d

-0.4

Sentiment

49% active weight

Current posture

7d trendImproving

Δ7d

+3.1

Δ21d

Why this grade

Composite grade C. Momentum 52.5 / Value 51.9 / Sentiment 54.9

Fundamentals (TTM)

As of 2026-07-31

Market Cap

$1.23B

Beta

0.53

Shares Out

41.22M

P/E (TTM)

14.5

P/S (TTM)

3.45

P/FCF (TTM)

16.09

Rev YoY

+22.3%

EPS YoY

+20.2%

Gross Margin

Op Margin

+29.2%

Net Debt

$12.15M

Current Ratio

0.05

As of 2026-08-01 • Updated nightlySource: Internal modelMethodology