COMP <GO>
HFWA vs NBBK // EV/EBITDA & P/E VALUATION
Heritage Financial Corporation (NASDAQ) VS. NB Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: HFWA 6
— NBBK 0
■ METRIC PARITY
LAST: $28.91 (+0.80%) • MKT CAP: $1.18B
valuation
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LAST: $22.56 (+0.45%) • MKT CAP: $988.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HFWA VS. NBBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HFWA | NBBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.30% | 5.90% | +1.40 | HFWA | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.24% | 5.80% | +1.44 | HFWA | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.76% | 0.56% | +2.20 | HFWA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 44.7 | +8.48 | HFWA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.3x | 18.3x | -2.00 | HFWA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.18B | $988.5M | $194.3M | HFWA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HFWA REV | NBBK REV | HFWA GROSS % | NBBK GROSS % | HFWA FCF | NBBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $85.7M | $57.4M |
| FY 2024 | $0 | $0 | — | — | $61.0M | $41.3M |
| FY 2023 | $0 | $0 | — | — | $109.5M | $52.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HFWA // BETA —
NBBK // BETA —