Heritage Financial Corporation Retained Earnings | HFWA

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Heritage Financial Corporation

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
422 M	387 M	376 M	345 M	293 M	212 M	212 M	176 M	149 M	125 M	108 M	86.4 M	78.3 M	75.4 M	74.3 M	73.6 M	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
422 M	73.6 M	200 M

Quarterly Retained Earnings Heritage Financial Corporation

2026-Q2	2026-Q1	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
440 M	432 M	408 M	397 M	393 M	387 M	383 M	380 M	374 M	376 M	-	367 M	358 M	345 M	-	317 M	306 M	293 M	281 M	268 M	242 M	224 M	224 M	224 M	212 M	212 M	212 M	212 M	212 M	176 M	176 M	176 M	176 M	149 M	149 M	149 M	149 M	125 M	125 M	125 M	125 M	108 M	108 M	108 M	108 M	86.4 M	86.7 M	86.4 M	86.4 M	78.3 M	78.3 M	78.3 M	78.3 M	75.4 M	75.4 M	75.4 M	75.4 M	74.3 M	74.3 M	74.3 M	74.3 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
440 M	74.3 M	203 M

Retained Earnings of other stocks in the Banks regional industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Commerce Bancshares CBSH	132 M	$ 58.37	0.71 %	$ 8.37 B	USA
City Holding Company CHCO	935 M	$ 144.95	0.66 %	$ 2.1 B	USA
Signature Bank SBNY	3.55 B	-	-	$ 4.41 B	USA
Pinnacle Financial Partners PNFP	3.18 B	-	-	$ 7.3 B	USA
IF Bancorp IROQ	46.9 M	-	-	$ 83.7 M	USA
First Midwest Bancorp, Inc. FMBI	1.39 B	-	-1.2 %	$ 2.26 B	USA
Dime Community Bancshares DCOMP	854 M	-	-	$ 796 M	USA
First Capital FCAP	118 M	$ 64.37	1.58 %	$ 215 M	USA
Provident Bancorp PVBC	114 M	-	-	$ 226 M	USA
First National Corporation FXNC	109 M	$ 30.98	0.29 %	$ 279 M	USA
Bank of Marin Bancorp BMRC	198 M	$ 27.34	1.11 %	$ 436 M	USA
Greene County Bancorp GCBC	241 M	$ 35.07	0.95 %	$ 597 M	USA
BankUnited BKU	2.97 B	$ 45.9	1.01 %	$ 3.39 B	USA
Banco Santander (Brasil) S.A. BSBR	9.58 B	$ 6.02	2.03 %	$ 115 B	Brasil
Great Southern Bancorp GSBC	537 M	$ 79.88	0.49 %	$ 910 M	USA
Cadence Bancorporation CADE	260 M	-	-	$ 5.43 B	USA
Huntington Bancshares Incorporated HBAN	6.35 B	$ 17.06	1.07 %	$ 25.2 B	USA
Community Bank System CBU	1.39 B	$ 63.49	0.79 %	$ 3.35 B	USA
Home Federal Bancorp of Louisiana HFBL	15.2 M	$ 25.03	3.0 %	$ 76.4 M	USA
Hope Bancorp HOPE	1.17 B	$ 14.0	0.29 %	$ 1.77 B	USA
Popular BPOP	5.21 B	$ 171.33	0.45 %	$ 11.6 B	USA
CB Financial Services CBFV	90.6 M	$ 37.58	0.83 %	$ 189 M	USA
Auburn National Bancorporation AUBN	119 M	$ 26.55	0.19 %	$ 92.8 M	USA
Hilltop Holdings HTH	1.27 B	$ 38.9	0.96 %	$ 2.44 B	USA
Independent Bank Corporation IBCP	253 M	$ 37.01	0.71 %	$ 768 M	USA
First Internet Bancorp INBK	193 M	$ 28.61	0.53 %	$ 250 M	USA
Atlantic Capital Bancshares ACBI	114 M	-	-1.48 %	$ 566 M	USA
Banco Santander-Chile BSAC	662 B	$ 35.86	0.38 %	$ 6.76 T	Chile
Bank7 Corp. BSVN	150 M	$ 52.45	0.4 %	$ 495 M	USA
Bankwell Financial Group BWFG	182 M	$ 66.15	0.41 %	$ 513 M	USA
Carter Bankshares CARE	365 M	$ 31.77	0.51 %	$ 713 M	USA
Spirit of Texas Bancshares, Inc. STXB	76.7 M	-	-0.23 %	$ 446 M	USA
Berkshire Hills Bancorp BHLB	486 M	-	-0.65 %	$ 1.11 B	USA
BankFinancial Corporation BFIN	73.5 M	-	-	$ 151 M	USA
People's United Financial, Inc. PBCT	1.36 B	-	-	$ 8.34 B	USA
CBTX CBTX	566 M	-	1.49 %	$ 1.51 B	USA
Citizens Financial Group CFG	11.3 B	$ 70.83	1.5 %	$ 30.7 B	USA
American River Bankshares AMRB	56 M	-	2.00 %	$ 125 M	USA
Bank of Commerce Holdings BOCH	111 M	-	-1.56 %	$ 254 M	USA
Bancolombia S.A. CIB	18 T	$ 101.87	3.49 %	$ 25.5 B	Colombia
CIT Group Inc. CIT	1.43 B	-	-1.4 %	$ 4.74 B	USA
Columbia Financial CLBK	934 M	$ 11.7	0.43 %	$ 1.19 B	USA
Mercantile Bank Corporation MBWM	399 M	$ 61.73	1.2 %	$ 1 B	USA
Comerica Incorporated CMA	12 B	-	-	$ 11.8 B	USA
American National Bankshares AMNB	233 M	-	-	$ 508 M	USA
MainStreet Bancshares MNSB	102 M	$ 25.21	0.99 %	$ 193 M	USA
Columbia Banking System COLB	-26 M	$ 30.45	1.23 %	$ 7.25 B	USA
BancorpSouth Bank BXS	1.82 B	-	-1.07 %	$ 3.12 B	USA
1895 Bancorp of Wisconsin BCOW	33.9 M	-	-6.47 %	$ 52 M	USA
Bryn Mawr Bank Corporation BMTC	297 M	-	-1.52 %	$ 888 M	USA