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Side-by-side financial comparison of HERITAGE FINANCIAL CORP (HFWA) and Scienjoy Holding Corp (SJ). Click either name above to swap in a different company.

Scienjoy Holding Corp is the larger business by last-quarter revenue ($91.6M vs $66.3M, roughly 1.4× HERITAGE FINANCIAL CORP). HERITAGE FINANCIAL CORP produced more free cash flow last quarter ($85.7M vs $7.1M).

Heritage Financial Corp (WA) is a U.S. regional financial holding company headquartered in Washington state. It provides comprehensive commercial and consumer banking services, including deposit products, small business loans, residential mortgages, personal lending and wealth management solutions, primarily serving local communities across the Pacific Northwest, with core customer segments covering small-to-medium enterprises and retail clients.

Scienjoy Holding Corp is a China-based digital entertainment company that principally operates interactive live streaming platforms. It provides diverse content including talent performances, music shows, and lifestyle broadcasts, serving mass consumer audiences of varying age groups across the domestic market, with core business centered on mobile internet entertainment services.

HFWA vs SJ — Head-to-Head

Bigger by revenue
SJ
SJ
1.4× larger
SJ
$91.6M
$66.3M
HFWA
More free cash flow
HFWA
HFWA
$78.6M more FCF
HFWA
$85.7M
$7.1M
SJ

Income Statement — Q4 FY2025 vs Q2 FY2025

Metric
HFWA
HFWA
SJ
SJ
Revenue
$66.3M
$91.6M
Net Profit
$22.2M
Gross Margin
Operating Margin
38.7%
Net Margin
33.5%
Revenue YoY
16.3%
Net Profit YoY
86.4%
EPS (diluted)
$0.65

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
HFWA
HFWA
SJ
SJ
Q4 25
$66.3M
Q3 25
$65.7M
Q2 25
$56.5M
$91.6M
Q1 25
$57.6M
Q4 24
$57.1M
Q3 24
$54.8M
Q2 24
$56.4M
Q1 24
$48.6M
Net Profit
HFWA
HFWA
SJ
SJ
Q4 25
$22.2M
Q3 25
$19.2M
Q2 25
$12.2M
Q1 25
$13.9M
Q4 24
$11.9M
Q3 24
$11.4M
Q2 24
$14.2M
Q1 24
$5.7M
Operating Margin
HFWA
HFWA
SJ
SJ
Q4 25
38.7%
Q3 25
34.0%
Q2 25
25.6%
Q1 25
28.1%
Q4 24
28.6%
Q3 24
23.8%
Q2 24
28.4%
Q1 24
14.1%
Net Margin
HFWA
HFWA
SJ
SJ
Q4 25
33.5%
Q3 25
29.2%
Q2 25
21.6%
Q1 25
24.2%
Q4 24
20.9%
Q3 24
20.8%
Q2 24
25.1%
Q1 24
11.8%
EPS (diluted)
HFWA
HFWA
SJ
SJ
Q4 25
$0.65
Q3 25
$0.55
Q2 25
$0.36
Q1 25
$0.40
Q4 24
$0.34
Q3 24
$0.33
Q2 24
$0.41
Q1 24
$0.16

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
HFWA
HFWA
SJ
SJ
Cash + ST InvestmentsLiquidity on hand
$233.1M
$913.0K
Total DebtLower is stronger
Stockholders' EquityBook value
$921.5M
$170.2M
Total Assets
$7.0B
$199.9M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
HFWA
HFWA
SJ
SJ
Q4 25
$233.1M
Q3 25
$245.5M
Q2 25
$254.1M
$913.0K
Q1 25
$248.7M
Q4 24
$117.1M
Q3 24
$175.6M
Q2 24
$113.8M
Q1 24
$189.6M
Stockholders' Equity
HFWA
HFWA
SJ
SJ
Q4 25
$921.5M
Q3 25
$904.1M
Q2 25
$888.2M
$170.2M
Q1 25
$881.5M
Q4 24
$863.5M
Q3 24
$874.5M
Q2 24
$850.5M
Q1 24
$847.6M
Total Assets
HFWA
HFWA
SJ
SJ
Q4 25
$7.0B
Q3 25
$7.0B
Q2 25
$7.1B
$199.9M
Q1 25
$7.1B
Q4 24
$7.1B
Q3 24
$7.2B
Q2 24
$7.1B
Q1 24
$7.1B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
HFWA
HFWA
SJ
SJ
Operating Cash FlowLast quarter
$94.8M
$7.1M
Free Cash FlowOCF − Capex
$85.7M
$7.1M
FCF MarginFCF / Revenue
129.1%
7.7%
Capex IntensityCapex / Revenue
13.8%
0.0%
Cash ConversionOCF / Net Profit
4.26×
TTM Free Cash FlowTrailing 4 quarters
$149.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
HFWA
HFWA
SJ
SJ
Q4 25
$94.8M
Q3 25
$25.1M
Q2 25
$22.5M
$7.1M
Q1 25
$19.3M
Q4 24
$64.5M
Q3 24
$24.2M
Q2 24
$6.8M
Q1 24
$12.9M
Free Cash Flow
HFWA
HFWA
SJ
SJ
Q4 25
$85.7M
Q3 25
$24.4M
Q2 25
$20.9M
$7.1M
Q1 25
$18.1M
Q4 24
$61.0M
Q3 24
$23.2M
Q2 24
$6.0M
Q1 24
$12.0M
FCF Margin
HFWA
HFWA
SJ
SJ
Q4 25
129.1%
Q3 25
37.1%
Q2 25
37.0%
7.7%
Q1 25
31.4%
Q4 24
107.0%
Q3 24
42.4%
Q2 24
10.6%
Q1 24
24.7%
Capex Intensity
HFWA
HFWA
SJ
SJ
Q4 25
13.8%
Q3 25
1.0%
Q2 25
2.8%
0.0%
Q1 25
2.0%
Q4 24
6.1%
Q3 24
1.7%
Q2 24
1.5%
Q1 24
1.8%
Cash Conversion
HFWA
HFWA
SJ
SJ
Q4 25
4.26×
Q3 25
1.31×
Q2 25
1.84×
Q1 25
1.38×
Q4 24
5.41×
Q3 24
2.12×
Q2 24
0.48×
Q1 24
2.24×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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