HFWA (Heritage Financial) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Heritage Financial LT-Debt-to-Total-Asset?

Heritage Financial HFWA +0.71% 63 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates HFWA with a GF Score™ of 63/100 and a GF Value™ of $27.21 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Heritage Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Heritage Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.04) to Mar. 2026 (0.01). It may suggest that Heritage Financial is progressively becoming less dependent on debt to grow their business.

Heritage Financial (NAS:HFWA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Heritage Financial LT-Debt-to-Total-Asset Related Terms

Heritage Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Heritage Financial's LT-Debt-to-Total-Asset 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.

Heritage Financial LT-Debt-to-Total-Asset Chart

Heritage Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.00

0.07

0.06

0.01

Heritage Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.02	0.01	0.01

63GF Score

Heritage Financial Corp HFWA

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Heritage Financial LT-Debt-to-Total-Asset Calculation

Heritage Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	42.35	/	6967.35
	=	0.01

Heritage Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	42.424	/	8498.404
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Heritage Financial (HFWA) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Heritage Financial and its competitors.

Is Heritage Financial's LT-Debt-to-Total-Asset too high?

Heritage Financial's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to OSBC and UVSP?

Heritage Financial's LT-Debt-to-Total-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Heritage Financial and its competitors. Heritage Financial's current LT-Debt-to-Total-Asset is 0.01. 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 $27.21, compared to a current price of $29.62 — trading 8.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Heritage Financial (HFWA), the current LT-Debt-to-Total-Asset is 0.01 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 $29.62 is trading 8.9% above its estimated GF Value™ of $27.21. GuruFocus considers Heritage Financial to be Fairly Valued.

Key valuation signals for HFWA:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $27.21 vs. price of $29.62 (8.9% above fair value)
GF Score™: 63/100 with 4 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies OSBC UVSP MCB PFBC CCB FMBH HBT NBN CTBI OCFC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 201 Fifth Avenue SW, Olympia, WA, USA, 98501

Website https://www.hf-wa.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.62

Price

$27.21

GF Value

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