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Dec 31, 2025
Heritage Financial Q4 2025 Earnings Report
Heritage Financial reported strong Q4 2025 results with higher net income and improved margins.
Key Takeaways
Heritage Financial delivered robust Q4 performance with increased net income, improved interest margin, and controlled expenses, highlighting operational strength ahead of its Olympic Bancorp acquisition.
Net income rose to $22.2 million, up from $11.9 million in Q4 2024.
Net interest margin improved to 3.72%, a 36 basis point increase year-over-year.
Adjusted EPS grew to $0.66, reflecting 29% growth YoY.
Deposits increased by $62.7 million during the quarter.
Revenue by Segment
Forward Guidance
Heritage expects continued growth following the Olympic Bancorp acquisition, with focus on deposit stability, margin support, and cost management.
Positive Outlook
- Strong deposit growth momentum continues.
- Margin expansion achieved despite rate cuts.
- Olympic Bancorp acquisition adds scale and growth potential.
- Improved asset quality metrics quarter-over-quarter.
- Continued shareholder returns via dividends.
Challenges Ahead
- Pressure on interest income from falling rates.
- Noninterest expense remains elevated.
- Loan growth modest due to paydowns and prepayments.
- Potential integration risks from Olympic acquisition.
- Uncertain macroeconomic backdrop affecting demand.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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