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AI brief of an SEC Form 8-K · Heritage Financial (HFWA)

Heritage Financial Q4 2025 net income rises to $22.2 million, EPS $0.65

Positive Impact 3 of 5 earnings Written later

Heritage Financial reported fourth quarter 2025 net income of $22.2 million, or $0.65 per diluted share, up from $19.2 million, or $0.55 per share, in the third quarter. Net interest margin rose to 3.72% and total deposits increased $62.7 million, while classified loans rose $22.4 million from the prior quarter. The company said the acquisition of Olympic Bancorp is expected to close on or about January 31, 2026, subject to customary closing conditions.

Key points

  • Net income was $22.2 million for Q4 2025, versus $19.2 million in Q3 2025 and $11.9 million in Q4 2024.
  • Diluted EPS was $0.65 for Q4 2025, versus $0.55 in Q3 2025 and $0.34 in Q4 2024; adjusted diluted EPS was $0.66.
  • Net interest margin increased 8 basis points to 3.72%, and the company declared a $0.24 quarterly dividend payable February 11, 2026.

The filing

CompanyHeritage Financial (HFWA)
Form8-K, current report
Filed with the SECJan 22, 2026, 1:59 PM ET
Accession number0001628280-26-003035

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.