Heartland Financial USA Ratios and Metrics

Market cap in millions JOD. Fiscal year is January - December.

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Aug '25 Aug 4, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Market Capitalization	45	52	50	25	28	19	Upgrade
Market Cap Growth	2.00%	3.77%	96.30%	-8.48%	43.90%	-14.58%	Upgrade
Enterprise Value	46	53	50	26	28	21	Upgrade
Last Close Price	0.96	1.10	1.06	0.54	0.59	0.41	Upgrade
PE Ratio	-	-	655.23	-	38.30	-	Upgrade
PS Ratio	46.04	65.03	121.22	28.56	177.51	149.73	Upgrade
PB Ratio	0.89	1.02	0.95	0.49	0.53	0.38	Upgrade
P/TBV Ratio	0.90	1.02	0.95	0.49	0.54	0.38	Upgrade
P/FCF Ratio	66.97	113.59	353.63	86.83	-	-	Upgrade
P/OCF Ratio	66.96	113.39	347.24	85.64	-	-	Upgrade
EV/Sales Ratio	46.88	66.53	122.50	29.11	181.72	165.69	Upgrade
EV/EBITDA Ratio	-	-	-	22091.28	-	-	Upgrade
EV/FCF Ratio	68.20	116.21	357.38	88.50	-	-	Upgrade
Debt / Equity Ratio	0.05	0.05	0.06	0.07	0.08	0.08	Upgrade
Debt / EBITDA Ratio	-	-	-	2888.86	-	-	Upgrade
Debt / FCF Ratio	3.79	5.61	20.80	11.57	-	-	Upgrade
Asset Turnover	0.02	0.01	0.01	0.01	0.00	0.00	Upgrade
Inventory Turnover	0.12	0.08	0.03	0.08	0.02	0.01	Upgrade
Quick Ratio	3.99	3.57	3.94	3.33	2.99	2.44	Upgrade
Current Ratio	11.58	12.23	9.94	8.07	7.43	6.88	Upgrade
Return on Equity (ROE)	-2.39%	-2.87%	0.15%	-0.88%	1.41%	-0.68%	Upgrade
Return on Assets (ROA)	-0.76%	-0.65%	-0.19%	-0.07%	-0.34%	-0.43%	Upgrade
Return on Capital (ROIC)	-0.87%	-0.75%	-0.22%	-0.08%	-0.39%	-0.46%	Upgrade
Earnings Yield	-2.70%	-2.87%	0.15%	-1.80%	2.61%	-1.81%	Upgrade
FCF Yield	1.49%	0.88%	0.28%	1.15%	-2.00%	-2.92%	Upgrade
Buyback Yield / Dilution	-2.06%	-0.02%	-0.01%	-	-	4.82%	Upgrade

Source: S&P Global Market Intelligence. Standard template. Financial Sources.