HF Financial Corp. (HFFC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
HF Financial Corp. (HFFC) trades at $19.64. HF Financial Corp. operates as the holding company for Heritage Financial Bank, providing a range of banking products and services. Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for HFFC: HFFC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HFFC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on HFFC.
How is this calculated? →HF Financial Corp. (HFFC) Financial Services Profile
HF Financial Corp., with its Heritage Financial Bank subsidiary, focuses on community banking in the Pacific Northwest. The company offers traditional banking services and competes with other regional and national banks, while maintaining a beta of 0.38 indicating lower volatility compared to the market.
What Is the Investment Thesis for HFFC?
HF Financial Corp. presents a stable investment profile with a focus on community banking in the Pacific Northwest. The company's consistent profitability, reflected in its 10.1% profit margin, and its strong gross margin of 100.0%, highlight its operational efficiency. However, the high P/E ratio of 38.21 suggests that the stock may be overvalued compared to its earnings. Growth catalysts include potential expansion within its existing markets and strategic acquisitions of smaller community banks. Key risks include interest rate sensitivity and competition from larger national banks. Investors should monitor the company's loan portfolio quality and its ability to maintain its net interest margin in a changing interest rate environment.
Based on FMP financials and quantitative analysis
HFFC Key Highlights
- Profit Margin of 10.1% indicates efficient operations and profitability.
- Gross Margin of 100.0% suggests a service-based business model with minimal direct costs.
- Beta of 0.38 indicates lower volatility compared to the overall market, appealing to risk-averse investors.
- P/E Ratio of 38.21 suggests the stock might be trading at a premium compared to its earnings.
- Focus on community banking in the Pacific Northwest provides a stable and relationship-driven business model.
Who Are HFFC's Competitors?
HFFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOKF BOK Financial Corporation | $140.47 | -0.55% | $8.53B | 89 |
| HBAN Huntington Bancshares Incorporated | $18.06 | -1.04% | $36.6B | 73 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489M | 59 |
| USB U.S. Bancorp | $63.14 | +0.00% | $98.4B | 95 |
| TFC Truist Financial Corporation | $51.00 | -2.86% | $63.5B | 94 |
| RF Regions Financial Corporation | $31.11 | -1.71% | $26.6B | 95 |
| KEY KeyCorp | $23.30 | -1.08% | $25.1B | 97 |
| ZION Zions Bancorporation, National Association | $71.89 | -0.53% | $10.6B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HFFC's Key Strengths?
- Strong presence in the Pacific Northwest.
- Relationship-focused banking model.
- Experienced management team.
- Consistent profitability.
What Are HFFC's Weaknesses?
- Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller size compared to national banks.
- High P/E ratio.
What Could Drive HFFC Stock Higher?
- Potential acquisitions of smaller community banks.
- Expansion of commercial lending portfolio.
- Implementation of digital banking initiatives.
- Growth in wealth management services.
What Are the Key Risks for HFFC?
- Interest rate sensitivity.
- Increased competition from larger banks.
- Economic downturn in the Pacific Northwest.
- Regulatory compliance costs.
- Credit risk in loan portfolio.
What Are the Growth Opportunities for HFFC?
- Expansion within Existing Markets: HF Financial Corp. can grow by increasing its market share in its existing markets of Washington and Oregon. This can be achieved through targeted marketing campaigns, new branch openings, and enhanced customer service initiatives. The market for banking services in the Pacific Northwest is estimated to be worth billions of dollars, providing ample opportunity for growth. Timeline: Ongoing.
- Strategic Acquisitions: HF Financial Corp. can pursue strategic acquisitions of smaller community banks in adjacent geographic areas. This would allow the company to expand its footprint and diversify its revenue streams. The market for community bank acquisitions is active, with numerous opportunities available. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can attract younger customers and improve operational efficiency. This includes developing a user-friendly mobile banking app, offering online account opening, and implementing automated customer service solutions. The market for digital banking services is growing rapidly, driven by changing customer preferences. Timeline: Ongoing.
- Commercial Lending Growth: Expanding its commercial lending portfolio can drive revenue growth and improve profitability. This involves targeting small to medium-sized businesses with tailored loan products and services. The market for commercial lending is competitive, but HF Financial Corp. can differentiate itself through its local expertise and relationship-based approach. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management services to its existing customer base can generate additional revenue and enhance customer loyalty. This includes providing financial planning, investment management, and trust services. The market for wealth management services is growing, driven by increasing affluence and an aging population. Timeline: Ongoing.
What Opportunities Does HFFC Have?
- Expansion into new markets.
- Growth in commercial lending.
- Adoption of digital banking technologies.
- Strategic acquisitions.
What Threats Does HFFC Face?
- Competition from larger banks.
- Interest rate fluctuations.
- Economic downturn.
- Regulatory changes.
What Are HFFC's Competitive Advantages?
- Strong local brand recognition.
- Established customer relationships.
- Community-focused approach.
- Experienced management team.
What Does HFFC Do?
HF Financial Corp. was established as the holding company for Heritage Financial Bank, a community bank serving the Pacific Northwest region. The bank traces its roots back to the local communities it serves, emphasizing relationship banking and local decision-making. Heritage Financial Bank offers a comprehensive suite of banking products and services, including checking and savings accounts, loans, and mortgages. The bank targets individuals, families, and small to medium-sized businesses, providing personalized service and tailored financial solutions. HF Financial Corp. operates primarily in Washington and Oregon, focusing on building long-term relationships with its customers and supporting local economic development. The company differentiates itself through its community focus and commitment to providing high-quality customer service. HF Financial Corp. aims to deliver sustainable profitability and growth while maintaining a strong capital base and prudent risk management practices. The bank's strategy involves expanding its market share in existing markets and selectively pursuing growth opportunities in adjacent geographic areas.
What Products and Services Does HFFC Offer?
- Provides traditional banking services to individuals and businesses.
- Offers checking and savings accounts.
- Provides loan and mortgage products.
- Focuses on relationship banking.
- Supports local economic development.
- Offers online and mobile banking services.
How Does HFFC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through prudent lending practices.
- Focuses on building long-term customer relationships.
What Industry Does HFFC Operate In?
HF Financial Corp. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory requirements. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like HF Financial Corp. compete with larger national banks and smaller community banks for market share. The industry is also undergoing consolidation, with larger banks acquiring smaller players to expand their geographic reach and product offerings. HF Financial Corp. differentiates itself through its focus on relationship banking and its commitment to serving the needs of local communities.
Who Are HFFC's Key Customers?
- Individuals and families.
- Small to medium-sized businesses.
- Local communities in Washington and Oregon.
ROE 4%Key Financial Metrics
Return on equity for HF Financial Corp. stands at 3.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. HFFC trades at a trailing price-to-earnings ratio of 38.21, above the Financial Services sector average of ~18x. A current ratio of 7.48 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 2.6%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
HF Financial Corp. operates in the Banks industry within the Financial Services sector. HFFC has traded publicly since 2016.
Net buyingInsider Activity
The most recent 12 insider filings for HF Financial Corp. break down as 4 sales and 8 purchases. On net that is roughly 243 shares acquired (about $165K) — insiders putting money in tends to read as conviction.
HFFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong presence in the Pacific Northwest.
- Relationship-focused banking model.
- Experienced management team.
- Consistent profitability.
Bear Case
- Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller size compared to national banks.
- High P/E ratio.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
HFFC Latest News
No recent news available for HFFC.
HFFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HFFC.
Price Targets
Wall Street price target analysis for HFFC.
HFFC MoonshotScore
What does this score mean?
The MoonshotScore rates HFFC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
What Investors Ask About HF Financial Corp. (HFFC) — Financial Services
What does HF Financial Corp. do?
HF Financial Corp. operates as the holding company for Heritage Financial Bank, a community bank providing financial services to individuals and businesses primarily in Washington and Oregon. The bank offers a range of products, including deposit accounts, loans, and mortgages, focusing on building strong customer relationships and supporting local economic development. HF Financial Corp. differentiates itself through its commitment to community banking and personalized service.
What do analysts say about HFFC stock?
As of 2026, there is no available AI analysis for HFFC stock. Investors may want to evaluate the company's P/E ratio of 38.21, which may indicate overvaluation, and its beta of 0.38, suggesting lower volatility. The company's strong gross margin of 100.0% and profit margin of 10.1% reflect efficient operations. Investors should monitor future earnings reports and industry trends to assess the stock's potential.
What are the main risks for HFFC?
HF Financial Corp. faces several risks, including interest rate sensitivity, which can impact its net interest margin. Increased competition from larger national banks and other regional players could erode market share. An economic downturn in the Pacific Northwest could negatively affect loan demand and asset quality. Regulatory compliance costs also pose an ongoing risk, requiring continuous investment in systems and processes.
What are the key factors to evaluate for HFFC?
Evaluate HFFC on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does HFFC data refresh on this page?
HFFC's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HFFC's recent stock price performance?
HF Financial Corp. (HFFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in the Pacific Northwest. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HFFC overvalued or undervalued right now?
HF Financial Corp. (HFFC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research HFFC before investing?
Before investing in HF Financial Corp. (HFFC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on available information as of 2026-03-16.
- AI analysis is pending and may provide further insights.