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 6, 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	344	223	194	192	191	140	Upgrade
Market Cap Growth	34.76%	15.05%	1.04%	0.52%	36.43%	2.94%	Upgrade
Last Close Price	2.29	1.49	1.29	1.28	1.23	0.87	Upgrade
PE Ratio	14.96	11.04	11.08	12.71	13.58	13.77	Upgrade
PS Ratio	4.21	3.06	3.02	3.56	3.88	3.31	Upgrade
PB Ratio	1.56	1.07	1.02	1.12	1.17	0.91	Upgrade
Debt / Equity Ratio	0.05	0.05	0.05	0.06	0.06	0.06	Upgrade
Return on Equity (ROE)	10.97%	10.14%	9.70%	9.04%	8.86%	6.80%	Upgrade
Return on Assets (ROA)	0.66%	0.63%	0.64%	0.61%	0.68%	0.60%	Upgrade
Earnings Yield	6.68%	9.06%	9.03%	7.87%	7.36%	7.26%	Upgrade
FCF Yield	-104.44%	-109.74%	-7.71%	-172.34%	-192.82%	-108.92%	Upgrade
Dividend Yield	-	-	-	-	3.24%	4.61%	Upgrade
Payout Ratio	-	-	-	38.92%	41.65%	-	Upgrade
Total Shareholder Return	-	-	-	-	3.24%	4.61%	Upgrade

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