ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Heritage Financial Corp. (Washington) ?
1
High Profitability with a Net Interest Margin of 0.56%
2
The company has declared Positive results for the last 6 consecutive quarters
- NII(Q) Highest at USD 69.22 MM
- NET PROFIT(HY) At USD 41.18 MM has Grown at 59.39%
- ROCE(HY) Highest at 0.93%
3
With ROA of 0.54%, it has a fair valuation with a 1.12 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.96%, its profits have risen by 56.1% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 77.48%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Heritage Financial Corp. (Washington) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Heritage Financial Corp. (Washington) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Heritage Financial Corp. (Washington)
20.96%
2.17
30.03%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.95%
EBIT Growth (5y)
11.06%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
48.98%
Pledged Shares
0
Institutional Holding
77.48%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.12
EV to EBIT
10.72
EV to EBITDA
10.56
EV to Capital Employed
1.16
EV to Sales
2.64
PEG Ratio
0.27
Dividend Yield
NA
ROCE (Latest)
10.81%
ROE (Latest)
7.33%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 69.22 MM
NET PROFIT(HY)
At USD 41.18 MM has Grown at 59.39%
ROCE(HY)
Highest at 0.93%
NET SALES(Q)
Highest at USD 90.67 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 0.93%
CREDIT DEPOSIT RATIO(HY)
Lowest at 78.94%
OPERATING PROFIT MARGIN(Q)
Lowest at 24.7 %
Here's what is working for Heritage Financial Corp. (Washington)
NII
Highest at USD 69.22 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At USD 41.18 MM has Grown at 59.39%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 90.67 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Depreciation
Highest at USD 2.06 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.06 MM has Grown at 622.11%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Heritage Financial Corp. (Washington)
Operating Profit Margin
Lowest at 24.7 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 78.94%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 12.5%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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