Heritage FinancialHFWA +1.52%63 FCF Margin % is 16.26% as of Mar. 2026, which is 50% below its 10-year median of 32.47. GuruFocus rates HFWA with a GF Score™ of 63/100 and a GF Value™ of $27.20 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Heritage Financial ranks better than 56.58% on this metric.
The historical rank and industry rank for Heritage Financial's FCF Margin % or its related term are showing as below:
HFWA'
s FCF Margin % Range Over the Past 10 Years
Min: 26.59 Med: 32.47 Max: 40.66
Current: 30.12
During the past 13 years, the highest FCF Margin % of Heritage Financial was 40.66%. The lowest was 26.59%. And the median was 32.47%.
HFWA's FCF Margin % is ranked better than 56.58% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs HFWA: 30.12
Heritage Financial FCF Margin % Related Terms
Heritage Financial FCF Margin % Historical Data
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The historical data trend for Heritage Financial's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Heritage Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Heritage Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Heritage Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Heritage Financial's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Heritage Financial (HFWA) has a FCF Margin % of 16.26% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heritage Financial and its competitors. This is 50% below median its historical median of 32.47. Over the past decade, Heritage Financial's FCF Margin % has ranged from 26.59 to 40.66. According to the industry distribution chart, Heritage Financial ranks #653 out of 1504 companies in the Banks industry, placing it in the top 43.4%.
Is Heritage Financial's FCF Margin % too high?
Heritage Financial's current FCF Margin % of 16.26% is 50% below median its 10-year median of 32.47. Over the past 10 years, this metric has ranged from a low of 26.59 to a high of 40.66. The Banks industry median FCF Margin % is 26.50. Heritage Financial's value of 16.26% is 38.6% below this industry median. Based on the distribution chart, Heritage Financial ranks #653 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Heritage Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heritage Financial's FCF Margin % compare to PFBC and MCB?
According to the Banks industry distribution chart, Heritage Financial ranks #653 out of 1504 companies for FCF Margin %. This puts Heritage Financial in the upper half of its industry. The industry median FCF Margin % is 26.50. Heritage Financial's value of 16.26% is 38.6% below this benchmark. Historically, Heritage Financial's own FCF Margin % has ranged from 26.59 to 40.66 over the past decade. While the company's 10-year median is 32.47 vs. the industry median of 26.50, Heritage Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Financial's current FCF Margin % of 16.26% is 38.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heritage Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Financial's current FCF Margin % is 16.26%, which is 50% below median its own 10-year median of 32.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Heritage Financial stock overvalued right now?
Based on GuruFocus' analysis, Heritage Financial (HFWA) is currently considered Fairly Valued. The stock's GF Value™ is $27.20, compared to a current price of $29.43 — trading 8.2% above its estimated fair value. The current FCF Margin % is 16.26%, which is 50% below median its 10-year median of 32.47 and 38.6% below the Banks industry median of 26.50. Heritage Financial's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Heritage Financial (HFWA), the current FCF Margin % is 16.26% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Heritage Financial (HFWA) Overvalued in 2026?
Based on GuruFocus' analysis, Heritage Financial stock appears to be overvalued.
The current stock price of $29.43 is trading 8.2% above its estimated GF Value™ of $27.20.
GuruFocus considers Heritage Financial to be Fairly Valued.
Key valuation signals for HFWA:
FCF Margin %: 16.26% (50% below median its 10-year median of 32.47)
GF Value™: $27.20 vs. price of $29.43 (8.2% above fair value)
Industry Position: 38.6% below the Banks median (#653 of 1504)
No single metric tells the full story. See the HFWA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Heritage Financial Corp is a bank holding company. The company, through its subsidiary, provides commercial lending and deposit relationships with small businesses and their owners in its market areas and attracts deposits from the general public. It accepts various deposit products, such as non-interest demand accounts, money market accounts, savings accounts, and certificates of deposit. Besides, the Bank also makes real estate construction loans, land development loans, and consumer loans, and originates first mortgage loans on residential properties mainly located in its market area. Geographically, all the business activity functions through the region of the United States.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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