# HERITAGE FINANCIAL CORP /WA/ (HFWA) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from HERITAGE FINANCIAL CORP /WA/'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/HFWA/mda/fy2025/): filed 2026-02-27; accession 0001628280-26-012703 (https://www.sec.gov/Archives/edgar/data/1046025/000162828026012703/hfwa-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/HFWA/mda/fy2024/): filed 2025-02-27; accession 0001046025-25-000046 (https://www.sec.gov/Archives/edgar/data/1046025/000104602525000046/hfwa-20241231.htm)
- [FY 2023 MD&A](/company/HFWA/mda/fy2023/): filed 2024-02-27; accession 0001046025-24-000015 (https://www.sec.gov/Archives/edgar/data/1046025/000104602524000015/hfwa-20231231.htm)
- [FY 2022 MD&A](/company/HFWA/mda/fy2022/): filed 2023-02-24; accession 0001046025-23-000039 (https://www.sec.gov/Archives/edgar/data/1046025/000104602523000039/hfwa-20221231.htm)
- [FY 2021 MD&A](/company/HFWA/mda/fy2021/): filed 2022-02-25; accession 0001046025-22-000031 (https://www.sec.gov/Archives/edgar/data/1046025/000104602522000031/hfwa-20211231.htm)

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