Heritage Financial Corporation (HFWA)vsU.S. Bancorp (USB)
HFWA
Heritage Financial Corporation
$25.58
+0.47%
FINANCIAL SERVICES · Cap: $1.04B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10693% more annual revenue ($26.35B vs $244.17M). USB leads profitability with a 28.7% profit margin vs 27.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
HFWA
Strong Buy71
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.7%
Fair Value
$91.73
Current Price
$25.58
$66.15 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Earnings expanding 90.8% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 20.2% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HFWA
The strongest argument for HFWA centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 27.7% and operating margin at 39.8%. Revenue growth of 20.2% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : HFWA
The primary concerns for HFWA are PEG Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HFWA profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
HFWA is growing revenue faster at 20.2% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 71/100), backed by strong 28.7% margins. HFWA offers better value entry with a 69.7% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Heritage Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Heritage Financial Corporation is the banking holding company for Heritage Bank providing various financial services to small and medium-sized businesses and individuals in the United States. The company is headquartered in Olympia, Washington.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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