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HFWA vs V

HFWA
Heritage Financial Corporation
BULLISH
Price
$27.30
Market Cap
$1.12B
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HFWA
13.93
V
28.35
Forward P/E
HFWA
9.35
V
20.79
P/B Ratio
HFWA
1.01
V
15.09
P/S Ratio
HFWA
4.6
V
14.08
EV/EBITDA
HFWA
--
V
20.06

Profitability

Gross Margin
HFWA
0.0%
V
97.78%
Operating Margin
HFWA
39.83%
V
68.3%
Profit Margin
HFWA
27.66%
V
50.23%
ROE
HFWA
7.57%
V
53.95%
ROA
HFWA
0.96%
V
18.36%

Growth

Revenue Growth
HFWA
20.2%
V
14.6%
Earnings Growth
HFWA
90.8%
V
17.4%

Financial Health

Debt/Equity
HFWA
--
V
0.55
Current Ratio
HFWA
--
V
1.11
Quick Ratio
HFWA
--
V
0.72

Dividends

Dividend Yield
HFWA
3.52%
V
0.89%
Payout Ratio
HFWA
48.98%
V
22.91%

AI Verdict

HFWA BULLISH

HFWA presents a compelling value opportunity, trading significantly below both its Graham Number ($34.59) and Intrinsic Value ($57.82). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting explosive earnings growth (90.80% YoY) and a very attractive forward P/E of 9.35. Despite bearish insider sentiment and weak technical trends, the fundamental disconnect between the current price ($27.30) and the growth-adjusted value suggests a strong upside. The dividend remains sustainable with a payout ratio under 50%.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional YoY earnings growth of 90.80%
Low forward P/E ratio (9.35) relative to growth rates
Risks
Bearish insider activity with consistent selling and zero buying
Severely bearish technical trend (10/100)
Modest ROE (7.57%) compared to high-performing regional peers
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HFWA vs V: Head-to-Head Comparison

This page compares Heritage Financial Corporation (HFWA) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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