NASDAQ$HFWA

Heritage Financial Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Announced first quarter 2021 results.

Heritage Financial Corporation reported a net income of $25.3 million for the quarter ended March 31, 2021, an increase compared to $23.9 million for the linked-quarter and $12.2 million for the quarter ended March 31, 2020. Diluted earnings per share were $0.70, compared to $0.66 for the linked-quarter and $0.34 for the quarter ended March 31, 2020.

  • Net income was $25.3 million, or $0.70 per diluted share.
  • Noninterest expense to average total assets, annualized, was 2.22%.
  • Reversal of provision for credit losses was $7.2 million.
  • Capital remains strong with Tier 1 leverage ratio of 9.1% and total risk-based capital ratio of 14.5%.

Headline financials

Total Revenue

$60.5M

Previous: $58M+4.2%
EPS (adj)

$0.70

Previous: $0.33+112.1%
Net Interest Margin

3.5%

Previous: 4.1%-13.5%
Cost of Total Deposits

0.1%

Previous: 0.4%-67.6%
Efficiency Ratio

61.6%

Previous: 64.2%-4.1%
Noninterest Exp./Avg Assets

2.2%

No prior period
Capital Expenditures

$475K

Previous: $1.42M-66.6%
Free Cash Flow

$8.61M

Previous: $12.9M-33.2%
Net Income

$25.3M

Previous: $12.2M+107.9%
Operating Income

$30.4M

Previous: $12.8M+137.3%
Cash & Equivalents

$934M

Previous: $163M+473.5%
Total Assets

$7.03B

Previous: $5.59B+25.8%

Revenue & EPS history

Heritage Financial · Revenue · Quarterly

$60.5M

Q1 2021+4.2%vs Q1 2020
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

Heritage Financial · $3.43B total across 4 segments · Q1 2020

  • Non-Owner Occupied CRE
    $1.31B
  • Commercial & Industrial
    $890M
  • Owner-Occupied CRE
    $806M
  • Consumer
    $421M

Forward guidance

This press release includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements often include words such as "believe," "expect,"anticipate," "estimate," and "intend" or future or conditional verbs such as "will," "would," "should," "could," or "may."

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.6%

Avg return

Earnings day

-1.2%

Avg return

5 days after

+1.1%

Avg return

30 days after

42%

28 / 66 earnings

Positive

+7.3%

Q4 2025

Best reaction

-10.7%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.0%+0.9%-0.6%
Q4 2025+7.3%-1.0%+7.7%
Q3 2025+0.5%+1.7%+1.3%
Q2 2025-0.8%-2.8%+2.1%
Q1 2025+0.0%-0.2%+0.5%
Q4 2024+1.0%+2.6%-1.8%
Q3 2024+2.1%+5.1%+21.2%
Q2 2024+6.0%+6.2%+5.5%
Q1 2024-4.0%-4.7%-1.8%
Q4 2023-1.8%-3.2%-11.4%
Q3 2023+3.3%-1.9%+9.7%
Q2 2023-7.4%-3.4%-5.4%
Q1 2023-1.2%-12.0%-19.7%
Q4 2022+0.5%+1.3%+0.4%
Q3 2022-0.2%+1.5%+5.0%
Q2 2022-4.5%-2.8%+1.8%
Q1 2022+1.3%-0.1%-4.1%
Q4 2021-3.9%-2.6%+4.4%
Q3 2021+1.6%+0.4%-0.2%
Q2 2021-1.6%+0.8%+7.6%
Q1 2021+3.7%+3.7%+6.7%
Q4 2020-1.6%+0.0%+8.0%
Q3 2020+4.1%+1.0%+16.0%
Q2 2020-1.1%-3.1%-4.9%
Q1 2020-10.7%-14.5%-12.7%
Q4 2019-2.0%-4.1%-2.3%
Q3 2019-1.5%+0.9%-1.1%
Q2 2019-4.7%-5.3%-13.1%
Q1 2019-3.0%-3.4%-5.5%
Q4 2018+0.3%+0.5%+5.2%
Q3 2018+5.0%+8.9%+13.7%
Q2 2018-1.5%-5.7%-2.0%
Q1 2018-5.2%-5.2%+2.2%
Q4 2017+2.6%-0.5%+1.6%
Q3 2017+0.3%-1.6%-1.0%
Q2 2017+0.9%+1.9%-0.7%
Q1 2017+3.8%+0.4%-8.0%
Q4 2016-3.0%-4.7%-5.4%
Q3 2016+1.4%+2.8%+27.3%
Q2 2016-3.7%-5.2%-0.5%
Q1 2016+0.5%
Q4 2015+5.0%
Q3 2015-1.3%
Q2 2015-5.9%
Q1 2015-0.2%
Q4 2014-0.1%
Q3 2014-0.8%
Q2 2014+0.8%
Q1 2014-0.3%
Q4 2013-2.5%
Q3 2013+2.7%
Q2 2013-2.6%
Q1 2013-2.1%
Q4 2011+0.8%
Q4 2012-3.9%
Q3 2012-1.3%
Q2 2012+5.0%
Q1 2011+0.7%
Q1 2012+4.3%
Q4 2009-3.7%
Q3 2011-1.6%
Q3 2010-1.6%
Q2 2011-3.5%
Q2 2010-3.5%
Q4 2010-3.5%
Q1 2010-2.2%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro