HFWA (Heritage Financial) ROCE %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HFWA Heritage Financial Corp HFWA
61 GF Score
Price $29.50
GF Value $26.09
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Heritage Financial ROCE %?

Heritage Financial HFWA -0.49% 61 ROCE % is % as of Mar. 2026. GuruFocus rates HFWA with a GF Score™ of 61/100 and a GF Value™ of $26.09 (Modestly Overvalued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

HFWA
61GF Score
Heritage Financial Corp HFWA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Heritage Financial (HFWA) has a ROCE % of % as of Mar. 2026.
Is Heritage Financial's ROCE % too high?
Heritage Financial's current ROCE % is %. Overall, Heritage Financial has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heritage Financial's ROCE % compare to OSBC and UVSP?
Heritage Financial's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Financial's current ROCE % is %. 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 Modestly Overvalued. The stock's GF Value™ is $26.09, compared to a current price of $29.50 — trading 13.1% above its estimated fair value. The current ROCE % is %. Heritage Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Heritage Financial (HFWA), the current ROCE % is % 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 $29.50 is trading 13.1% above its estimated GF Value™ of $26.09. GuruFocus considers Heritage Financial to be Modestly Overvalued.

Key valuation signals for HFWA:

  • ROCE %: %
  • GF Value™: $26.09 vs. price of $29.50 (13.1% above fair value)
  • GF Score™: 61/100 with 5 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

Address 201 Fifth Avenue SW, Olympia, WA, USA, 98501
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.
61GF Score

Get the complete analysis for HFWA

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.50
Price
$26.09
GF Value