Provides banking services to small and medium-sized businesses. Offers personal banking services to individuals. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 8% a year over the last 4 years. Every year shown ended in profit.
The market pays 17.3× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 92% of them.
Analysts' average target sits 13% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
This grade is a blend: the profit side is strong, the sales tempo slow.
The price is looking for direction — no strong breakout, no collapse.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 17% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 20% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 95 buys and 93 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, HFWA sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: HFWA is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.