Heritage FinancialHFWA +0.59%63 OCF Margin % is 17.93% as of Mar. 2026, which is 53% below its 10-year median of 38.23. 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 1,500 Banks companies, Heritage Financial ranks better than 57.47% on this metric.
The historical rank and industry rank for Heritage Financial's OCF Margin % or its related term are showing as below:
HFWA'
s OCF Margin % Range Over the Past 10 Years
Min: 28.92 Med: 38.23 Max: 44.92
Current: 33.6
During the past 13 years, the highest OCF Margin % of Heritage Financial was 44.92%. The lowest was 28.92%. And the median was 38.23%.
HFWA's OCF Margin % is ranked better than 57.47% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs HFWA: 33.60
Heritage Financial OCF Margin % Related Terms
Heritage Financial OCF Margin % Historical Data
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The historical data trend for Heritage Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Heritage Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Heritage Financial's OCF 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 OCF Margin % of 17.93% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Heritage Financial and its competitors. This is 53% below median its historical median of 38.23. Over the past decade, Heritage Financial's OCF Margin % has ranged from 28.92 to 44.92. According to the industry distribution chart, Heritage Financial ranks #638 out of 1500 companies in the Banks industry, placing it in the top 42.5%.
Is Heritage Financial's OCF Margin % too high?
Heritage Financial's current OCF Margin % of 17.93% is 53% below median its 10-year median of 38.23. Over the past 10 years, this metric has ranged from a low of 28.92 to a high of 44.92. The Banks industry median OCF Margin % is 29.44. Heritage Financial's value of 17.93% is 39.1% below this industry median. Based on the distribution chart, Heritage Financial ranks #638 out of 1500 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 OCF Margin % compare to PFBC and MCB?
According to the Banks industry distribution chart, Heritage Financial ranks #638 out of 1500 companies for OCF Margin %. This puts Heritage Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. Heritage Financial's value of 17.93% is 39.1% below this benchmark. Historically, Heritage Financial's own OCF Margin % has ranged from 28.92 to 44.92 over the past decade. While the company's 10-year median is 38.23 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Financial's current OCF Margin % of 17.93% is 39.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Heritage Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Financial's current OCF Margin % is 17.93%, which is 53% below median its own 10-year median of 38.23. 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 $29.16 — trading 7.2% above its estimated fair value. The current OCF Margin % is 17.93%, which is 53% below median its 10-year median of 38.23 and 39.1% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Heritage Financial (HFWA), the current OCF Margin % is 17.93% 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 $29.16 is trading 7.2% above its estimated GF Value™ of $27.20.
GuruFocus considers Heritage Financial to be Fairly Valued.
Key valuation signals for HFWA:
OCF Margin %: 17.93% (53% below median its 10-year median of 38.23)
GF Value™: $27.20 vs. price of $29.16 (7.2% above fair value)
Industry Position: 39.1% below the Banks median (#638 of 1500)
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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