Roiver Score™ for
HFWAHeritage Financial Corp
Savings Institutions, Not Federally Chartered
Based on fundamentals through 12/31/2025.
As of December 31, 2025, Heritage Financial Corp (HFWA) scores 60/100 (Solid) on the Roiver Score — a transparent quality composite. Its strongest area is cash quality; its weakest is capital structure. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about HFWA
What is HFWA's Roiver Score?
Heritage Financial Corp scores 60 out of 100 (Solid) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for HFWA calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is HFWA a good quality stock?
On quality, HFWA rates "Solid" (60/100). Its strongest driver is cash quality and its weakest is capital structure. Quality is one input to a decision, not a buy/sell call.
Embed on your site
Drop this iframe into a Substack, blog post, or notion page. Updates automatically as fundamentals change.
<iframe src="https://roiver.com/embed/score/HFWA" width="640" height="280" frameborder="0" style="border:0;border-radius:16px;overflow:hidden" loading="lazy"></iframe>
Get HFWA's Score in your inbox
A free weekly digest of quality scores and what changed. No account needed.
Educational use only. Roiver Score is a quality signal, not a recommendation.