Heritage Financial vs Timberland Bancorp
HFWA and TSBK side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HFWA and TSBK compare
Heritage Financial is the larger company, worth 3.1 times as much as Timberland Bancorp ($1.2B against $373M).
On earnings, Timberland Bancorp is cheaper: it trades at 12.0× trailing earnings, against 14.1× for Heritage Financial.
Heritage Financial grew revenue faster over the last twelve months (33.0% versus 9.4% for Timberland Bancorp).
Timberland Bancorp keeps more of each dollar of sales as profit, with a net margin of 36.2% compared with 24.6% at Heritage Financial.
Both pay dividends: Heritage Financial yields 3.5% and Timberland Bancorp 3.1%.
Timberland Bancorp scores higher on the StockData Score (16 against 13 for Heritage Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HFWA | TSBK |
|---|---|---|
| Size and price | ||
| Market cap | $1.2B | $373M |
| Share price | $28.25 | $47.97 |
| Change, 1 year | 26.3% | 43.8% |
| Change, 5 years | 13.3% | 71.0% |
| Beta (5Y) | 0.59 | 0.35 |
| Employees | 5 | 271 |
| StockData Score | ||
| Total score | 13 | 16 (better) |
| Valuation score | 1 | 1 |
| Growth score | 2 | 2 |
| Performance score | 3 | 5 (better) |
| Health score | 4 | 5 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 14.1× | 12.0× (better) |
| P/S | 3.7× (better) | 4.3× |
| P/B | 1.1× (better) | 1.4× |
| P/FCF | 13.7× | 12.8× (better) |
| PEG | – | 1.31 |
| FCF yield | 7.3% | 7.8% (better) |
| Fair value | $26.71 | $41.23 |
| Margin of safety | −5.8% (better) | −16.3% |
| Growth | ||
| Revenue growth (TTM) | 33.0% (better) | 9.4% |
| Revenue growth, 5Y average | 0.66% | 3.9% (better) |
| Net income growth (TTM) | 35.3% (better) | 16.4% |
| EPS growth (TTM) | 21.8% (better) | 17.4% |
| EPS growth, 5Y average | 8.7% (better) | 5.0% |
| Profitability | ||
| Net margin | 24.6% | 36.2% (better) |
| FCF margin | 26.8% | 33.4% (better) |
| Return on equity | 7.8% | 11.9% (better) |
| Financial health | ||
| Altman Z-score | 0.20 | 0.34 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 3.5% (better) | 3.1% |
| Payout ratio | 47.0% | 28.0% |
| Years of dividend growth | 5 (better) | 1 |
| Dividend growth, 5Y average | 3.7% | – |
| Buyback yield | 1.9% | 2.4% (better) |
| Shareholder yield | 5.3% | 5.4% (better) |
| Ownership | ||
| Held by institutions | 81.0% | 66.2% |
| Held by insiders | 1.6% | 2.9% |
| Insider net buying, 12 months | −$1.5M | −$1.3M (better) |
| Short interest, % of float | 8.2% | 1.9% |
Go deeper
- HFWA stock overview
- HFWA income statement
- HFWA valuation and score
- TSBK stock overview
- TSBK income statement
- TSBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.