Heritage Financial (HFWA) reported $66.35 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 8.8%. EPS of $0.66 for the same period compares to $0.51 a year ago.
The reported revenue represents a surprise of +0.99% over the Zacks Consensus Estimate of $65.7 million. With the consensus EPS estimate being $0.57, the EPS surprise was +15.79%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Heritage Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3.7% versus 3.7% estimated by three analysts on average.
- Efficiency Ratio: 62.5% versus 63.1% estimated by three analysts on average.
- Total Nonperforming Assets: $21.17 million versus the two-analyst average estimate of $16.75 million.
- Total Nonaccrual Loans: $21.17 million versus the two-analyst average estimate of $14.25 million.
- Average Balance - Total interest earning assets: $6.22 billion compared to the $6.27 billion average estimate based on two analysts.
- Net charge-offs (recoveries) on loans to average loans receivable, net: 0% versus the two-analyst average estimate of 0.1%.
- Total Noninterest Income: $7.99 million versus the three-analyst average estimate of $8 million.
- Net Interest Income: $58.36 million versus $57.71 million estimated by three analysts on average.
View all Key Company Metrics for Heritage Financial here>>>
Shares of Heritage Financial have returned +7.1% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Heritage Financial Corporation (HFWA): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
