Heritage Financial Corporation (HFWA) vs Jefferson Capital, Inc. Common Stock (JCAP)
A side-by-side comparison of Heritage Financial Corporation and Jefferson Capital, Inc. Common Stock across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — HFWA vs JCAP
growth of $100 · dividends reinvested · last 1yHFWA vs JCAP: by the numbers
- •JCAP is the larger company ($1.22B vs $1.15B market cap).
- •JCAP converts more revenue to profit (23.50% vs 23.17% net margin).
- •JCAP grew revenue faster over the past five years (54.92% vs 5.82% CAGR).
- •JCAP pays the higher dividend yield (4.88% vs 3.48%).
Metrics side by side
Valuation
| Metric | HFWA | JCAP |
|---|---|---|
| P/E ratio | 13.21 | N/A |
| Forward P/E | 14.14 | 6.68 |
| PEG ratio | 1.51 | N/A |
| P/S ratio | 3.42 | 1.85 |
| P/B ratio | 1.04 | 2.57 |
Profitability
| Metric | HFWA | JCAP |
|---|---|---|
| Operating margin | 23.15% | 51.61% |
| Net margin | 23.17% | 23.50% |
| ROE | 7.02% | 32.55% |
Heritage Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Jefferson Capital, Inc. Common Stock: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | HFWA | JCAP |
|---|---|---|
| Dividend yield | 3.48% | 4.88% |
| Payout ratio | 45.97% | N/A |
Growth (annualized)
| Metric | HFWA | JCAP |
|---|---|---|
| Revenue CAGR (5Y) | 5.82% | 54.92% |
| EPS CAGR (5Y) | 9.06% | 20.35% |
| Total return CAGR (5Y) | 5.89% | N/A |
Frequently asked
- Which has grown faster, HFWA or JCAP?
- Over the past five years, JCAP grew revenue faster — HFWA at a 5.82% CAGR versus JCAP at 54.92%.
- Does HFWA or JCAP pay a bigger dividend?
- HFWA yields 3.48% and JCAP yields 4.88% based on trailing dividends and the latest price.
- Is HFWA or JCAP more profitable?
- JCAP runs the higher net margin — HFWA at 23.17% versus JCAP at 23.50%.
Go deeper
Dig into the metrics
Heritage Financial & Jefferson Capital, Inc. Common Stock appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.