Three independent discounted-cash-flow-style models value Heritage Financial Corp every trading day. 2 of 3 currently price HFWA above its market price.
| Free Cash Flow model | $48.68 |
| Excess Profit model | $37.61 |
| Residual Earnings model | $6.98 |
| Dividend Discount model | $16.21 |
| Piotroski F-Score | 8 / 9 |
| Return on invested capital | +6.7% |
| Net debt / EBITDA | 0.0× |
| Gross margin | +100.0% |
| Revenue CAGR | +13.9% |
| Cash conversion | 1.4× |
| Dividend yield | +3.5% |
| Buyback yield | +2.9% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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