Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 13.12 is in line with its 5-year average of 12.99, around the middle of its 5-year range (6.55–24.93).
As of 2026-10-06T20:11:58.333Z. 8.87% below its 12-month average of 14.40.
Calculation as of: 2026-10-06T20:11:58.333Z.
Quote observation: 2026-10-06T20:00:01.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 7590af645aea2f49478ec48bd21c0b25b0047927c505fb7017260fdb59b3f774
PE Ratio (13.12) = Close Price ($27.69) / Diluted TTM EPS ($2.11)
PE RATIO
13.12
PE RATIO AVG TTM
14.40
PE RATIO AVG 3Y
14.57
PE RATIO AVG 5Y
12.99
PE RATIO AVG 10Y
15.98
PE RATIO AVG 15Y
17.35
PE RATIO AVG 20Y
16.64
CURRENT VS TTM AVG
-8.87%
CURRENT VS 3Y AVG
-9.96%
CURRENT VS 5Y AVG
+0.96%
CURRENT VS 10Y AVG
-17.88%
CURRENT VS 15Y AVG
-24.39%
CURRENT VS 20Y AVG
-21.16%
SECTOR MEDIAN · FINANCIAL SERVICES
13.79
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
-4.82%
vs the sector median at left
Heritage Financial Corporation
Market Cap
$1.14B
PE Ratio
13.12
TTM Avg
14.40
3Y Avg
14.57
5Y Avg
12.99
Market Cap
$1.14B
PE Ratio
11.92
TTM Avg
11.57
3Y Avg
10.60
5Y Avg
9.96
Market Cap
$1.06B
PE Ratio
10.02
TTM Avg
9.08
3Y Avg
7.68
5Y Avg
7.27
Market Cap
$1.22B
PE Ratio
N/A
TTM Avg
3.54
3Y Avg
3.54
5Y Avg
3.54
Market Cap
$1.05B
PE Ratio
N/A
TTM Avg
15.67
3Y Avg
13.93
5Y Avg
17.62
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Heritage Financial Corporation (HFWA) | $1.14B | 13.12 | 14.40 | 14.57 | 12.99 |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 11.92 | 11.57 | 10.60 | 9.96 |
| Trupanion, Inc. (TRUP)vs › | $1.08B | 46.57 | 73.97 | 88.09 | 88.09 |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 10.02 | 9.08 | 7.68 | 7.27 |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | N/A | 3.54 | 3.54 | 3.54 |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 15.67 | 13.93 | 17.62 |
| Preferred Bank (PFBC)vs › | $1.24B | 9.56 | 9.19 | 8.45 | 8.66 |
| Five Star Bancorp (FSBC)vs › | $1.04B | 12.82 | 13.82 | 11.90 | 11.16 |
| Northeast Bank (NBN)vs › | $1.04B | 9.85 | 10.14 | 9.57 | 8.28 |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 24.19 | 27.69 | 28.76 | 45.88 |
At 13.1, P/E is below its 20-year median — higher than 28% of readings in its 20-year history.
20-year low
6.5
median
16.2
20-year high
233.5
Trailing P/E
13.1
Forward P/E
14.0
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$27.69
Forward EPS (Est.)
$1.97
Forward P/E
14.04
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 13.21 |
| 2026-10-02 | 13.34 |
| 2026-10-01 | 13.22 |
| 2026-09-30 | 13.09 |
| 2026-09-29 | 13.18 |
| 2026-09-28 | 13.35 |
| 2026-09-25 | 13.54 |
| 2026-09-24 | 13.39 |
| 2026-09-23 | 13.25 |
| 2026-09-22 | 13.37 |
| 2026-09-21 | 13.27 |
| 2026-09-18 | 13.36 |
| 2026-09-17 | 13.31 |
| 2026-09-16 | 13.27 |
| 2026-09-15 | 13.51 |
| 2026-09-14 | 13.53 |
| 2026-09-11 | 13.46 |
| 2026-09-10 | 13.46 |
| 2026-09-09 | 13.45 |
| 2026-09-08 | 13.70 |
| 2026-09-04 | 13.88 |
| 2026-09-03 | 13.85 |
| 2026-09-02 | 13.85 |
| 2026-09-01 | 13.54 |
| 2026-08-31 | 13.54 |
| 2026-08-28 | 13.59 |
| 2026-08-27 | 13.58 |
| 2026-08-26 | 13.62 |
| 2026-08-25 | 13.64 |
| 2026-08-24 | 13.76 |
| 2026-08-21 | 13.79 |
| 2026-08-20 | 13.72 |
| 2026-08-19 | 13.68 |
| 2026-08-18 | 13.96 |
| 2026-08-17 | 14.03 |
| 2026-08-14 | 14.09 |
| 2026-08-13 | 14.21 |
| 2026-08-12 | 14.12 |
| 2026-08-11 | 14.00 |
| 2026-08-10 | 13.94 |
| 2026-08-07 | 14.46 |
| 2026-08-06 | 14.53 |
| 2026-08-05 | 14.71 |
| 2026-08-04 | 14.97 |
| 2026-08-03 | 14.71 |
| 2026-07-31 | 14.57 |
| 2026-07-30 | 14.49 |
| 2026-07-29 | 14.63 |
| 2026-07-28 | 14.65 |
| 2026-07-27 | 14.61 |
| 2026-07-24 | 14.78 |
| 2026-07-23 | 14.85 |
| 2026-07-22 | 14.79 |
| 2026-07-21 | 14.91 |
| 2026-07-20 | 14.98 |
| 2026-07-17 | 14.96 |
| 2026-07-16 | 15.32 |
| 2026-07-15 | 14.79 |
| 2026-07-14 | 14.51 |
| 2026-07-13 | 14.61 |
| 2026-07-10 | 14.42 |
| 2026-07-09 | 14.31 |
| 2026-07-08 | 14.07 |
| 2026-07-07 | 14.43 |
| 2026-07-06 | 14.61 |
| 2026-07-02 | 14.56 |
| 2026-07-01 | 14.82 |
| 2026-06-30 | 14.52 |
| 2026-06-29 | 14.41 |
| 2026-06-26 | 14.47 |
| 2026-06-25 | 14.36 |
| 2026-06-24 | 14.21 |
| 2026-06-23 | 14.08 |
| 2026-06-22 | 13.76 |
| 2026-06-18 | 13.69 |
| 2026-06-17 | 13.49 |
| 2026-06-16 | 13.85 |
| 2026-06-15 | 13.94 |
| 2026-06-12 | 14.24 |
| 2026-06-11 | 14.13 |
| 2026-06-10 | 14.08 |
| 2026-06-09 | 13.89 |
| 2026-06-08 | 13.68 |
| 2026-06-05 | 13.62 |
| 2026-06-04 | 13.54 |
| 2026-06-03 | 13.08 |
| 2026-06-02 | 13.44 |
| 2026-06-01 | 13.28 |
| 2026-05-29 | 13.36 |
| 2026-05-28 | 13.40 |
| 2026-05-27 | 13.27 |
| 2026-05-26 | 13.53 |
| 2026-05-22 | 13.32 |
| 2026-05-21 | 13.30 |
| 2026-05-20 | 13.32 |
| 2026-05-19 | 13.01 |
| 2026-05-18 | 13.05 |
| 2026-05-15 | 12.76 |
| 2026-05-14 | 12.98 |
| 2026-05-13 | 12.84 |
| 2026-05-12 | 13.11 |
| 2026-05-11 | 13.21 |
| 2026-05-08 | 14.04 |
| 2026-05-07 | 13.99 |
| 2026-05-06 | 14.01 |
| 2026-05-05 | 14.04 |
| 2026-05-04 | 13.78 |
| 2026-05-01 | 14.09 |
| 2026-04-30 | 14.04 |
| 2026-04-29 | 13.88 |
| 2026-04-28 | 14.08 |
| 2026-04-27 | 13.95 |
| 2026-04-24 | 13.51 |
| 2026-04-23 | 14.13 |
| 2026-04-22 | 13.95 |
| 2026-04-21 | 13.84 |
| 2026-04-20 | 14.07 |
| 2026-04-17 | 14.03 |
| 2026-04-16 | 13.75 |
| 2026-04-15 | 13.82 |
| 2026-04-14 | 13.84 |
| 2026-04-13 | 13.89 |
| 2026-04-10 | 13.93 |
| 2026-04-09 | 14.21 |
| 2026-04-08 | 13.98 |
| 2026-04-07 | 13.61 |
| 2026-04-06 | 13.51 |
| 2026-04-02 | 13.32 |
| 2026-04-01 | 13.34 |
| 2026-03-31 | 13.27 |
| 2026-03-30 | 13.03 |
| 2026-03-27 | 12.84 |
| 2026-03-26 | 13.05 |
| 2026-03-25 | 13.05 |
| 2026-03-24 | 12.99 |
| 2026-03-23 | 12.90 |
| 2026-03-20 | 12.60 |
| 2026-03-19 | 12.77 |
| 2026-03-18 | 12.61 |
| 2026-03-17 | 12.79 |
| 2026-03-16 | 12.91 |
| 2026-03-13 | 12.70 |
| 2026-03-12 | 12.80 |
| 2026-03-11 | 12.88 |
| 2026-03-10 | 12.92 |
| 2026-03-09 | 12.85 |
| 2026-03-06 | 12.93 |
| 2026-03-05 | 13.14 |
| 2026-03-04 | 13.44 |
| 2026-03-03 | 13.37 |
| 2026-03-02 | 13.51 |
| 2026-02-27 | 15.91 |
| 2026-02-26 | 16.51 |
| 2026-02-25 | 16.59 |
| 2026-02-24 | 16.33 |
| 2026-02-23 | 16.33 |
| 2026-02-20 | 17.03 |
| 2026-02-19 | 16.87 |
| 2026-02-18 | 16.93 |
| 2026-02-17 | 17.10 |
| 2026-02-13 | 16.92 |
| 2026-02-12 | 16.70 |
| 2026-02-11 | 16.75 |
| 2026-02-10 | 16.71 |
| 2026-02-09 | 16.94 |
| 2026-02-06 | 16.98 |
| 2026-02-05 | 16.73 |
| 2026-02-04 | 16.33 |
| 2026-02-03 | 15.98 |
| 2026-02-02 | 15.93 |
| 2026-01-30 | 15.55 |
| 2026-01-29 | 15.35 |
| 2026-01-28 | 15.18 |
| 2026-01-27 | 15.66 |
| 2026-01-26 | 15.87 |
| 2026-01-23 | 16.01 |
| 2026-01-22 | 16.95 |
| 2026-01-21 | 15.82 |
| 2026-01-20 | 14.97 |
| 2026-01-16 | 15.11 |
| 2026-01-15 | 15.40 |
| 2026-01-14 | 14.70 |
| 2026-01-13 | 14.37 |
| 2026-01-12 | 14.50 |
| 2026-01-09 | 14.54 |
| 2026-01-08 | 14.79 |
| 2026-01-07 | 14.39 |
| 2026-01-06 | 14.64 |
| 2026-01-05 | 14.51 |
| 2026-01-02 | 14.28 |
| 2025-12-31 | 14.25 |
| 2025-12-30 | 14.42 |
| 2025-12-29 | 14.66 |
| 2025-12-26 | 14.73 |
| 2025-12-24 | 14.78 |
| 2025-12-23 | 14.81 |
| 2025-12-22 | 15.05 |
| 2025-12-19 | 15.01 |
| 2025-12-18 | 15.57 |
| 2025-12-17 | 15.46 |
| 2025-12-16 | 15.25 |
| 2025-12-15 | 15.32 |
| 2025-12-12 | 15.28 |
| 2025-12-11 | 15.25 |
| 2025-12-10 | 15.20 |
| 2025-12-09 | 14.66 |
| 2025-12-08 | 14.62 |
| 2025-12-05 | 14.54 |
| 2025-12-04 | 14.58 |
| 2025-12-03 | 14.51 |
| 2025-12-02 | 14.42 |
| 2025-12-01 | 14.49 |
| 2025-11-28 | 14.42 |
| 2025-11-26 | 14.61 |
| 2025-11-25 | 14.74 |
| 2025-11-24 | 14.04 |
| 2025-11-21 | 14.02 |
| 2025-11-20 | 13.45 |
| 2025-11-19 | 13.38 |
| 2025-11-18 | 13.28 |
| 2025-11-17 | 12.93 |
| 2025-11-14 | 13.39 |
| 2025-11-13 | 13.37 |
| 2025-11-12 | 13.48 |
| 2025-11-11 | 13.52 |
| 2025-11-10 | 13.49 |
| 2025-11-07 | 15.43 |
| 2025-11-06 | 15.43 |
| 2025-11-05 | 15.73 |
| 2025-11-04 | 15.73 |
| 2025-11-03 | 15.78 |
| 2025-10-31 | 15.52 |
| 2025-10-30 | 15.70 |
| 2025-10-29 | 15.78 |
| 2025-10-28 | 16.34 |
| 2025-10-27 | 16.16 |
| 2025-10-24 | 16.17 |
| 2025-10-23 | 16.12 |
| 2025-10-22 | 16.07 |
| 2025-10-21 | 15.99 |
| 2025-10-20 | 15.74 |
| 2025-10-17 | 15.38 |
| 2025-10-16 | 15.45 |
| 2025-10-15 | 16.36 |
| 2025-10-14 | 16.64 |
| 2025-10-13 | 16.11 |
| 2025-10-10 | 15.92 |
| 2025-10-09 | 16.47 |
| 2025-10-08 | 16.70 |
| 2025-10-07 | 16.80 |
| 2025-10-06 | 17.06 |
| 2025-10-03 | 17.02 |
| 2025-10-02 | 16.81 |
| 2025-10-01 | 16.90 |
| 2025-09-30 | 16.92 |
| 2025-09-29 | 17.23 |
| 2025-09-26 | 17.38 |
| 2025-09-25 | 17.20 |
| 2025-09-24 | 17.23 |
| 2025-09-23 | 17.15 |
Showing the most recent 260 of 4,947 data points. The chart above shows the full history.