Heritage Financial (HFWA) shares Q4 and full-year 2025 earnings update

Rhea-AI Filing Summary

Heritage Financial Corporation filed a current report describing its latest earnings communications. On January 22, 2026, the company issued a press release announcing its fourth quarter and full-year 2025 results, and attached that release as Exhibit 99.1. The report explains that this information is being furnished rather than filed, which affects how it is treated under securities laws.

Heritage also provided an investor presentation reviewed during its earnings conference call held on January 22, 2026, attached as Exhibit 99.2. Together, the press release and presentation give more detail on the company’s 2025 financial performance and operating trends beyond what is contained in the brief report itself.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities and Exchange Act of 1934

Date of Report (Dated of earliest event reported): January 22, 2026

HERITAGE FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter) 

Commission File Number 000-29480

Washington

91-1857900

(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification No.)

201 Fifth Avenue SW,

Olympia

WA

98501

(Address of principal executive offices)

(Zip Code)

(360) 943-1500

(Registrant’s telephone number, including area code) 

Not applicable

(Former name or former address, if changed since last report) 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12 (b) of the Act:

Title of each class			Trading symbol			Name of each exchange on which registered
Common stock, no par value			HFWA			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1934 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition

On January 22, 2026, Heritage Financial Corporation (“Heritage”) issued a press release announcing its fourth quarter and annual 2025 results.

A copy of the release is attached hereto as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information furnished pursuant to this Item and the related exhibit is being “furnished” and will not, except to the extent required by applicable law or regulation, be deemed “filed” by Heritage for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 7.01    Regulation FD Disclosure

Heritage is filing an investor presentation that it reviewed in conjunction with its earnings release conference call on January 22, 2026.

A copy of the presentation materials is attached hereto as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference. The information furnished pursuant to this Item and the related exhibit is being “furnished” and will not, except to the extent required by applicable law or regulation, be deemed “filed” by Heritage for purposes of Section 18 of the Exchange Act, or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01     Financial Statements and Exhibits

(d) Exhibits

Exhibit 99.1						Press Release announcing fourth quarter and annual 2025 results dated January 22, 2026
Exhibit 99.2						Fourth Quarter 2025 Investor Presentation
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						HERITAGE FINANCIAL CORPORATION
Date:
January 22, 2026						/S/ BRYAN MCDONALD
						Bryan McDonald
						President and Chief Executive Officer
						(Duly Authorized Officer)

FAQ

What did Heritage Financial (HFWA) disclose in this 8-K filing?

Heritage Financial Corporation furnished a press release announcing its fourth quarter and full-year 2025 results and an investor presentation reviewed during its earnings conference call on January 22, 2026.

Which exhibits are included with Heritage Financial’s (HFWA) 8-K?

The filing includes Exhibit 99.1, a press release announcing fourth quarter and annual 2025 results dated January 22, 2026, and Exhibit 99.2, a Fourth Quarter 2025 investor presentation.

Are Heritage Financial’s (HFWA) 2025 results considered filed or furnished?

The company states that the information provided under Items 2.02 and 7.01 and the related exhibits is being “furnished” and will not be deemed “filed” under the Exchange Act, except where specifically incorporated by reference.

What period do the disclosed results for Heritage Financial (HFWA) cover?

The press release attached as Exhibit 99.1 announces Heritage Financial Corporation’s financial results for the fourth quarter and the full year of 2025.

When did Heritage Financial (HFWA) hold its earnings conference call?

Heritage Financial Corporation reviewed the attached investor presentation in conjunction with its earnings release conference call on January 22, 2026.

Who signed the Heritage Financial (HFWA) 8-K report?

The report was signed on behalf of Heritage Financial Corporation by Bryan McDonald, its President and Chief Executive Officer.